Who is life insurance for

Life Insurance Quotes – Compare Term Life and Whole Life Quotes –

In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance. If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals. If you have dependents, buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur to replace services you provide (for a simple example, if you do your own taxes, the survivors might have to hire a professional tax preparer). Also, your family might need extra money to make some changes after you die. For...

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Life Insurance

​​Life insurance can be an important part of your personal safety net, especially if you have financial dependents. The two main types of life insurance are term life and permanent life. The one that's right for you depends on many factors, including your budget, the amount of insurance you need, and the length of time you'd like the insurance policy to last. Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: 1. Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents...

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What is Life Insurance?

What is Life Insurance? Over the years, life insurance has changed in many ways but the concept remains exactly the same. Despite this, there are now many misconceptions that exist within the industry which is why we have compiled a complete guide to life insurance. From definitions of key terms to who should get life insurance, from where life insurance can be purchased to why life insurance is important, we will answer all of the important questions here today. Without further ado, let’s take a look and start with some definitions. Life Insurance Definitions Life Insurance – Initially sought by the policyholder, life insurance is a legally-binding contract between two parties...

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Life Insurance 101 - Everything You Need to Know, New York Life

Everything you need to know about life insurance. Most likely, yes. Especially if you have someone depending on you for financial support. Life insurance is an agreement between you and your insurance company. You make regular payments, called premiums, and the insurance company pays your beneficiaries a tax-free lump sum of money when you die. With some policies, you get additional benefits to use during your lifetime, like accessing the policy's cash value, which can be used for a down payment on a home. However, accessing the cash value will reduce the policy's total cash value and death benefit. You can also accelerate death benefits and use them for health care needs. There are a...

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What Is The Life Insurance Policy With Maturity Benefits?

What Is The Life Insurance Policy With Maturity Benefits? A life insurance policy with maturity benefits allow individuals to get a double advantage from their existing policy. Not only does your family get death benefits in case of your untimely absence or permanent disability but also, if you do live on throughout the term of maturity, there are additional benefits available, which are much more than what you stand to gain. There is different policy duration including 5, 10, 15, or 20 year maturity period. Most people survive such terms. Therefore, instead of simple life insurance policy where you stand to lose the premiums paid if you stay alive, it is a good idea to go for policies that...

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