I need a life insurance policy

Do I need accidental death and dismemberment (AD&D) insurance if I have life insurance?

Do I need accidental death and dismemberment (AD&D) insurance if I have life insurance? Life insurance can provide your family with financial support if you pass away, so your loved ones have one less thing to worry about if the worst were to happen. Similar to life insurance, AD&D insurance provides financial support in the event you or―depending on your plan—a covered family member suffers a covered accidental injury or death. Knowing how the two types of insurance work together can help you decide whether the coverage is right for you. Life insurance If you were to pass away, your beneficiary(ies) would receive a death benefit equal to your life insurance coverage amount....

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Why do I need life insurance?, Securian Financial

Life insurance is not as complicated or expensive as many people may think. So rather than view it as such, consider what it could mean to your loved ones someday if they lost you — and think of it instead as a potentially happy ending to a difficult situation. Here are five important reasons why life insurance is important. Life insurance is not for you - it's for your family If you think you don’t need life insurance, you’re right — technically, at least. You don’t purchase life insurance for yourself. You purchase it for the loved ones you leave behind. Here are the ways life insurance can help loved ones in your absence: Short-term family needs Upon your death, would your spouse or...

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Do I Need Life Insurance? Quick Answers

Do I need life insurance? We would answer that question with an automatic yes for almost all of us. The fact is that in today’s world, most couples rely on two incomes to provide for their family’s needs. If one of those incomes is lost due to death, the only thing that can replace it is Life Insurance. Too many couples think that they would be “ok” financially if one or the other of them passed away. That makes no sense if you depend on both incomes or if one spouse stays at home raising the family. You would have to replace that income, or hire a nanny or full-time day care, which is very expensive. Most families have a mortgage, vehicle loans, credit cards debt, and other bills to pay....

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How Much Life Insurance Do You Really Need? - The Simple Dollar

I can’t tell you how often I’m contacted by readers who tell me the story of their lives, then ask the big question: how much life insurance do I need? I’ll hear from twenty four year old single women and forty year old men with a wife and three children. I’ll hear from people with almost nothing and people with hundreds of thousands of dollars in the bank. They all ask the same question. First of all, term life insurance is the way to go. Other types of policies tie a subpar investment into the insurance policy. If you want to invest, invest separately with a firm that specializes in investments and will customize an investment to meet your needs. Term policies are...

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Life Insurance FAQ'S - Insurance Information - Life Insurance Ireland

Life Insurance FAQ'S We would be delighted if you choose us as your adviser. Experience is very important when it comes to advising on financial products. was established in 1996 by Shane Lavin, a qualified Chartered Accountant with over thirty years experience in financial services. Our experienced team are all qualified life insurance advisers and are totally focused on understanding your needs and trying to find the best protection balance for your circumstances. is a trading division of Finance Company of Ireland Ltd. Finance Company of Ireland Ltd was established in 1996 and we have extensive experience advising thousands of valued clients over the years. We are...

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Do I Need Life Insurance? How Much Life Insurance Do I Need?

Project Description Do I need life insurance? Or am I wasting my money? The answer to that question is, it depends. In many cases, life insurance should be a key part of your families financial plan. Insurance can help to provide MONEY for your family or company when its needed most. It can help by providing a cash death benefit to pay off large debts and being able to pay for ongoing living expenses, in a case of the unexpected. Life Insurance can also protect savings and assets that you’ve worked hard to build over time. Who Needs Life Insurance? Do I need Life Insurance? Individuals, Families, and Businesses might need it. Many individuals, couples, and business professionals need...

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Life Insurance at 38 - Ogletree Financial - Life Insurance Brokerage

You may have heard that life insurance premiums at thirty-eight will break your budget. We are here to tell you that is just not true. Life insurance at 38 is a wise and affordable investment. If you’ve been avoiding getting life insurance because of the cost, this article is going to leave you with no more excuses and it will give you the information that you need. In fact, life insurance is one of the best investments that you’ll ever make for your loved ones. Not having life insurance could leave your family with a massive amount of debt and other final expenses. Your life insurance will ensure that your family has the money that they need, regardless of what happens to you. This article...

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Do Single People with No Kids Need Life Insurance? Dan Hinz Coaching

Why get life insurance when no one depends on you? Well, here are some extra situations to think about. The world of life insurance can get complicated, and the goal of this article is to teach you the absolute basics. You will learn why most people buy life insurance and how being single with no kids changes those reasons. Why Do Most People Buy Life Insurance? Life insurance is meant to financially protect everyone from your death. If someone depends on your paycheck coming in the mail, then you need to get life insurance. This can include married couples without children, single parents, siblings taking care of each other, or grandparents raising grandkids. Stay-at-home moms and dads...

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retirement - Do I need term life insurance at age 57? - Personal Finance Money Stack Exchange

The answer to your question will depend on your own preferences and circumstances, but I would argue that generally at your stage of life you do not need nor want term life insurance. Life insurance exists because having someone die when they are critical to the financial well-being of the family is a disaster. This is often true for people with children at home or who rely heavily on someone's work income or caretaking. Once your children are gone and you have few years of work left, insurance isn't the primary concern. Instead you should be trying to maximize your total net worth and ensure that your savings are sufficient to allow you to retire at your target retirement age. Insurance...

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How Much Insurance Do You Need?

Current income, outstanding loans, future liabilities, total financial assets, and age are some of the factors for determining life coverage. How much insurance do I need?That's a question you’ll have to face in the process of buying a life insurance policy. While deciding the cover, it is important to remember that the objective of insurance is to provide financial support to your family and/or dependents, in case you (as the primary breadwinner) are no more, or are unable to earn because of a permanent disability or illness. The life cover you decide on should be adequate to help your family maintain the standard of living you would have provided for them always. To do this and secure the...

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