Why get life insurance

Why Buy Life Insurance? - Insurance

Why buy life insurance? Life insurance is a means to ensure that you can take a more proactive role in protecting the well-being of your family for your own peace of mind. How does a contract between two parties, a piece of paper and the disbursement of fund provide this type of security, you ask. A World of Uncertainty Take a step back and just recap what you’ve seen and what you’ve heard about the events unfolding around you, the events around the world through news and even just local or neighborhood occurrences. You should realize that the world is full of uncertainty and that more often than not, we have little or no control over our own safety and well-being. Now do not think for a...

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5 Reasons You Should Consider Life Insurance

5 Reasons You Should Consider Life Insurance 5 Reasons You Should Consider Life Insurance Life insurance can seem unnecessary, especially when you're healthy and don't think you'll ever need it. But if anyone depends on you financially, life insurance shouldn't be an afterthought. Here are five reasons you should consider purchasing life insurance. 1. Life Insurance Provides You With Options When purchasing life insurance, you can choose a plan that's the right fit for your family's needs and budget. There are two main types of life insurance policies: permanent life and term life. Permanent life insurance covers you for your entire life as long as you pay your premiums. Whether you die at...

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Why You Should Get Life Insurance In Your 20 s

We know what you’re thinking — why should I get life insurance in my 20s? In your 20s, you may be purchasing your first car, renting your first apartment or buying your first home — plus, you’re getting your first job and navigating monthly bills with your new paycheck. Yes, you have spare change, but research by LIMRA, a worldwide research, consulting and professional development organization, shows life insurance isn’t exactly your priority. We get it. The last thing on your mind is death. You’re young and in good health, so barring any unforeseen tragic accident, the chances of you passing away are slim. However, we also know the fact that you’re young and healthy means you’re eligible...

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5 Reasons Why You Should Get Life Insurance -

Life Insurance is the absolute best way to provide a source of funds upon unexpected death for variety of different situations. There are many different reasons to buy life insurance coverage but let’s go through some of the general 5 that entice people to get covered. 1. Family Protection Whether you are single or married there is usually someone that will depend on you for your might want to make sure that your children can go to college and that your spouse can continue maintaining the lifestyle you had together by replacing your income in case of the unexpected. Even single people with no children buy life insurance because they might be taking care of their elderly parents or...

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Your guide to permanent life insurance: What it costs, how to buy a policy

Life insurance offers peace of mind that your family will be cared for after you die. Permanent life insurance guarantees that they’ll be taken care of if the unthinkable happens. There are many reasons people buy life insurance. They purchase coverage to cover final expenses, such as funeral and burial. They buy it to replace a wage earner’s income. They get coverage to provide money for a child’s education. Imagine you were to die tomorrow. Could your family afford a funeral? Would your spouse be able to pay the mortgage? How much do you owe on credit cards? What would it mean for your child’s future education? Permanent life insurance is there to help protect...

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5 Things to Know Before Getting Life Insurance,

5 Things to Consider Before Getting Life Insurance 5 Things to Consider Before Getting Life Insurance Life insurance provides financial security for you and your family. Lianne Laroya, founder of the personal finance and lifestyle website The Wise Living, considers insurance as a “tool where you pay centavos to get thousands” since the payout received is much greater than the total premiums you pay. This payout covers a variety of situations such as medical coverage, estate tax assistance, and burial expenses among many others. However, despite the many life insurance benefits, many are still hesitant to insure themselves. You may be starting your first job out of college, and when you’re...

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7 Top Reasons Why You Need Life Insurance, MoneyTips

Nobody likes to think about life insurance, because nobody likes to think about death. Even so, it is something you cannot ignore. Once you pass away, it's too late – and if you do manage to come back from the other side, a life insurance policy is probably not the first item on your priority list. Remember, life insurance is not for you. It is for your loved ones – the people who depend on you. If you are at the stage of life where you are young and with no dependents, life insurance may not be as important for you – but for the rest of you with spouses, kids, mortgages, and other commitments, here are 7 top reasons why life insurance is important for you to have. Replacing Your Income –...

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Life insurance - Insuring yourself to protect dependents Sorted

Who needs it? If there are people who depend on you financially, you need insurance to protect them. If you die, your partner and children can be left in financial difficulty when your income is no longer coming in, even just to pay for funeral expenses. Insurance can help by allowing your family to pay off the mortgage and cover extra costs like childcare. You also need to think about protecting your ability to earn income – whether or not you have dependants. It can be very difficult to pay living costs and other bills if you have to give up work through illness. ACC only covers loss of income from an accident. Types of insurance There are also policies called trauma (also known as...

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Get Life Insurance, Asteron Life

Get Life Insurance There are a number of ways you can apply for life insurance – including through a financial adviser, through your employer’s super fund, or direct from a bank or life insurance company. At Asteron Life, we only sell our life insurance products through financial advisers. That’s because we think people should seek advice about something so important. An adviser can help you navigate the market to find the right solution to meet your needs and your budget. They can also recommend tax-effective strategies to help make your insurance more affordable. A financial adviser will help you by: recommending the right type – and amount – of cover...

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Cash Value Life Insurance for Your Child, Grow-Up® Plan, Gerber Life Insurance

As a parent or grandparent, your primary concern is protecting your family. Imagine the financial security and peace of mind of having an insurance policy that grows as your child grows! The Gerber Life Grow-Up® Plan is an ideal way to plan, and build for, the future. It’s a children’s whole life insurance policy that provides valuable financial protection for you and your child. It can also build a small nest egg for your child. So how does it work? Like adult whole life insurance, a great benefit of the Grow-Up® Plan is its “cash value.” What is Cash Value? Cash value works like this: each time you make a monthly premium payment for your Grow-Up® Plan, Gerber Life sets aside a small...

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