How can life insurance help protect my family?
Term Life Insurance
Protection through health changes. As people age, they are more likely to develop health problems that could make life insurance more expensive or disqualifying. Many term life insurance policies have a conversion feature, which allows a policyholder to convert their term life policy to a permanent policy before it expires without a medical exam. This ability to lock in insurability is advantageous given the many health changes you might experience throughout your life.
Life Insurance protection through job changes. Ten percent of workers lost employer provided life insurance coverage as a result of job loss from the pandemic. Even those with employer provided group coverage often overlook the employee paid plans during open enrollment., leaving them with inadequate life insurance protection. While it is ideal to have a combination of coverage individually and through your employer, term insurance offers higher levels of coverage and more stability during employment disruptions.
Protection against debt and final expenses Families are currently carrying 14.35 trillion in mortgage and non mortgage debt. Life insurance can help your loved ones pay off debts while maintaining their lifestyle and forging ahead in pursuit of their hopes and dreams. We represent many A Rated Life Insurance companies, let us help you plan for your life insurance needs. We can provide many quotes through several companies and help you select the best life insurance option .
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