LIFE INSURANCE

Most people know that they need life insurance, but how much and what kind? The rule of thumb is four times your annual income. But the real answer depends on so many factors that we have to get to know a you to make sure that the solution fits your needs. A mother needs enough life insurance to protect her children until they are old enough to care for themselves. A bread winner needs protection for those who are financially dependent. Where Final Expenses would be a burden, a small policy with a memorial guide can avoid having to make difficult decisions at a time of grief. Mortgage insurance can pay for the family home. A business plan can protect one from the loss of key persons. There are great values in insuring children and grandchildren. The list is endless.

Do you need Whole Life or Term Life? The mother with young children could use 20 year Term Life. It will last long enough for them to grow up and costs less. A policy meant to pay Final Expenses should be Whole Life, which ends only at the death of the insured, no matter how many years away that is.

Whole Life also builds a cash value, which can be borrowed, or can be used to make premium payments. Affordability is always an issue. Be sure you're not mistaking an accidental death policy for full life. Let us help you choose the protection that is best for you. Call Nancy, 928-777-8736 or Ron, 928-717-8236, or E-mail us at quotes@weareinsurance.com.

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