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Life insurance is an important financial tool that can provide security and peace of mind to families. It helps protect them from unexpected circumstances, such as the death of a family member or breadwinner, by providing money to pay off debts, cover living expenses, medical costs, final expenses and replace income for dependents.

Family Meal

When considering life insurance policies there are two main types: term and permanent. Term life insurance provides coverage for a set period of time (e.g., 10 years) at a fixed rate; if the insured dies during this period their beneficiaries will receive the policy’s face value in cash benefits. Permanent life insurance offers lifetime coverage with premiums that never increase; however, it also includes additional features like cash value accumulation which can be used as an investment vehicle or loan collateral later on down the road.

We Can Help You Choose the Right Plan

When selecting a life insurance policy, it is important to factor in your budget since premiums may differ based on age, health status and other considerations. A general rule of thumb is to obtain enough coverage so that should something happen to you or another family member who contributes financially towards the household expenses, your beneficiaries will have sufficient funds for maintaining their current lifestyle. Furthermore, any existing debt obligations such as mortgages or student loans need be taken into account when calculating how much coverage is needed since these must be paid off before any remaining funds can be distributed amongst heirs according to state laws governing estate administration.


For those wishing to be financially secure in the event of needing long-term care, insurance is an important consideration.


It's important to be aware of the differences between group plans offered through employers versus individual plans purchased directly from an insurance carrier.

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