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People buy life insurance to give their families more financial security after they pass away. Life insurance can help cover the loss of income, funeral and end of life expenses, and debt your family would otherwise face when you pass away.
The right coverage and policy is different for every person, our short quiz can match you with providers with the right policy for you.
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Provide loved ones with financial security in the event of your passing.
Are starting a family
Are the sole or primary wage-earner in your household
Have outstanding debt such as a mortgage
Plan to pay for your children’s education
Are planning for end-of-life expenses such as funeral costs and final medical bills
The main difference between permanent and term life insurance is the duration of the coverage. If your primary reason for getting life insurance is to help cover the costs of those who rely on your income, term life insurance would likely be the right fit. However, if you want to ensure your beneficiaries receive a payout regardless of when you pass or if you would like your policy to grow in cash value, permanent life insurance might be a better fit.
The amount of coverage you need will be unique to your situation and goals. To determine how much coverage you need, think about your financial obligations, including debt and income replacement.
The average funeral costs between $8,000-$12,000. Burial insurance and final expense insurance plans can help cover the cost of these expenses and put your loved ones at ease.
If you have outstanding debt such as a mortgage or student loans, your life insurance policy can help cover these so your family doesn’t have to.
If your family or dependents rely on your income for their basic living expenses, your life insurance policy will help cover the loss of income and allow your family to adjust their cost of living to a new income.
The cost you pay for life insurance will depend on a number of factors including the policy you want to purchase, the coverage you would like, and in some cases the results of a medical exam.
In general, term life policies are less expensive than permanent policies. However, permanent policies grow in cash value and your benefits do not expire.
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