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LIFE INSURANCE ON A BUDGET

By Kathryn Smith on March 25, 2015 0

There are many reasons why you may not have purchased life insurance.  Is the cost too high?  Are you not sure what product is right for you?  Has anybody asked you about life insurance?  All may be valid reasons, but the truth is life insurance is important.

Term insurance (10-, 20-, or 30-year term) is a simple and affordable way to protect your family while keeping the costs reasonable for your budget.  After all,  some life insurance is better than none.

You can also purchase the Guaranteed Renewability Benefit on 10- and 20-year term policies, which guarantees your policy will renew until your 90th birthday.

No matter what happens to your medical situation, you can have peace of mind knowing your policy will never be canceled as long as premiums are paid.  You will also be able to convert the policy to another life policy, such as universal life, until age 65.

Term insurance may be the right choice for you for many reasons, including:

  • Affordable premiums
  • 10-/20-/30-year options
  • No interest rates to worry about
  • $50,000 minimum face amount
  • You can save money on your home and auto policies

It’s never too early to start thinking about purchasing a life insurance policy.  Talk to u today about how we can structure a term policy that will meet your needs!

SOURCE:  Insurance Update with Auto-Owners, Volume 8, Issue 4, October-December 2014

 

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