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Life Insurance

Who Needs This Type of Coverage?

If you're debating whether to get some coverage, review these guidelines to determine your level of need. We'll explain how your coverage plays
a role in the various stages of life.


Most single people feel they can wait to get a plan, but they miss out on a major opportunity in doing so. Even if you are not married and don't have kids, it is never too early to begin planning for your future. If you're single, you might want to get some coverage as part of your retirement planning. Additionally, if you are in good health and young, now is probably the best time to lock in low premiums.


Getting married means that you now have someone else depending on you. Even if you don't earn an income, your spouse might still suffer financially upon losing you. Losing a spouse is hard enough without compounding it with financial woes. Get some coverage to make sure your spouse would be able to sustain your present lifestyle in the event of your death.

Having Children

Did you know that it costs an average of $165,000 to raise a child just to the age of 18? And that's not including the cost of a college education! If you were to die, a plan can provide for the costs of raising your children and even help send them to college. Don't let your death lower your family's standard of living or limit your children's opportunities. Having children is one of the most important reasons to get some protection.

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Buying a House

Few families would be able to make mortgage payments if they were to lose a major wage earner. A policy can help your family make these payments to ensure they do not lose their home in the event of your death. If you have a mortgage or are about to take one out, make sure you get some coverage.


A plan can supplement your retirement income to make your golden years more comfortable. In addition, you can also pass on money to beneficiaries tax-free when you are insured.

If you have any questions, please check out our Frequently Asked Questions page.

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