Life Insurance
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Your guide to life insurance.
Life insurance is a crucial financial tool that provides peace of mind and security to you and your family. In the unpredictable journey of life, having the right life insurance coverage ensures that your loved ones are financially supported in the event of your passing. To help you better understand this coverage, here are some frequently asked questions about life insurance.
Why should I get life insurance coverage?
Life insurance offers financial support to your family after you pass. It covers essential expenses like utilities, groceries, and funeral costs, while also replacing lost income for the beneficiaries. Learn more.
When should I get life insurance?
When it comes to buying life insurance, it's best to do it sooner rather than later. As you get older, insurance rates tend to increase. Getting your policy early allows you to lock in the lowest premium and save money in the long term.
How much life insurance do I need?
You can estimate how much life insurance you might need by multiplying your annual income by a factor of ten. Or you can add up your ongoing expenses and then subtract your assets. While these practices will give you a general idea of how much life insurance is right for you, it’s always best to speak with an experienced insurance advisor to help you determine your true coverage needs.
How are life insurance rates calculated?
Insurance rates are determined by multiple factors, but the primary considerations are health risks and lifestyle risks. Underwriters will review your health history, including current health status, family health history, and tobacco use. They will also consider motor vehicle reports and hobbies to assess your lifestyle risk.
Does life insurance cover medical bills?
When used in addition to your health insurance coverage, life insurance can be leveraged for medical needs while you are alive. Offering “living benefits”, some policies can give you access to funds which you can use to cover hospital bills, nursing home stays, or other large healthcare expenses. Learn more.
Types of life insurance.
There are two main types of life insurance — term and whole life. Term life insurance provides coverage for a set amount of time, while whole life insurance provides protection for the rest of your life.
Term Life Insurance
Term life insurance is the most popular and affordable option for most people because it allows you to choose the length of your term and the amount of coverage paid out to your beneficiaries in the event of your death.
It provides coverage for a predetermined amount of time — typically 10, 15, 20, 25, or 30 years. And premium payments remain consistent for the duration of the policy.
If you pass away within the term of your policy, your beneficiaries can file a claim and receive money, called the death benefit, tax-free. However, no death benefit is paid if you pass away after your term ends.
Whole Life Insurance
Whole life insurance provides lifelong coverage and a guaranteed payout to your beneficiaries at the time of your death as long as your premiums are up to date and paid in full.
It is more expensive than term life due to the duration of the coverage, but your premiums shouldn’t change much throughout the life of the policy.
In addition, part of the premiums you pay build cash value and earn interest. In some cases, the insured can withdraw or borrow the cash value accumulated in their policy.Learn more about the difference between Term Life and Whole Life insurance.
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