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Do I really need life insurance?

If you’re like most people, you need life insurance. Should you die prematurely, the coverage provides your loved ones money to keep life going smoothly. Life insurance money can make a huge, important difference. It can pay for ongoing expenses, such as rent, food and car payments. It can also finance dreams, such as paying off a home or college tuition.

What kind of life insurance is right for me?

The number one choice in life insurance is term life. It’s affordable and practical. For as little as a few cents per day, you can get hundreds of thousands of dollars in coverage. You choose the policy length, and the payoff amount, which can exceed $1 million! Another benefit? Your premium stays the same, even as you get older or if your health declines.

How much coverage do I need?

Most people base coverage on current income and expenses. To calculate the amount, try multiplying your income by the number of years you would like your family to have that income, and then add other debts and expenses. You might consider providing financial support until your child(ren) graduates college or you pay off the family home.

Am I the only one who needs coverage?

It’s smart to get life insurance for a spouse or life partner, even if he or she is not employed. Chances are, this person contributes to the household in ways that could have a financial impact. For example, would a premature death mean unexpected caregiver expenses for children or an elderly parent?

What term length makes sense?

In general, people choose longer terms to protect loved ones through income-earning years or while raising a family. This is when an unexpected death could create a devastating financial hardship. People typically choose shorter terms to add to their retirement support, pay off mortgages and debts, or to cover funeral expenses.

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