You probably need life insurance if:

• There's anyone in your life who depends on you. Life insurance helps provide them with funds to live on if you should die.
• You're young and healthy. Now is the time to lock in low rates. Also, it is far easier to obtain a policy when you are healthy instead of waiting until you become ill. You may not be able to obtain life insurance at all if you wait until your health declines.
• You get married. You don't want to leave your spouse with a lot of debt on top of his or her grief.
• You own a home.  Life insurance can provide your loved ones with money they can use to help make the mortgage payments
• You're expecting a child or have a child already.  You want to help ensure that his or her needs will be taken care of, including education.
• You have aging parents.  You'll want to know they'll be taken care of, even if you can't do it yourself.

If something happens to you, life insurance can replace your lost income and enable your loved ones to continue their way of life.

There are basically two types of life insurance:

• Term insurance- This insurance provides affordable, basic insurance protection for a specified period of time and does not build cash value. This type of policy allows you to purchase large amounts of coverage for a relatively low premium. You can choose between 10,15,20,25,and 30 year coverage periods. Term life is a necessity if you have a family who relies on your income.
• Permanent insurance- This insurance has no specified term and can be kept in force through your entire lifetime. These policies also accumulate cash value which you can borrow against. Permanent insurance costs more than term life but it is good for those who are looking for smaller amounts of coverage to cover their final expenses such as funeral costs.

Perhaps you have been confused about life insurance in the past. But life insurance doesn't have to be complicated. Give us a call today so we can help you obtain the coverage you need.