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[email protected] Send us an email anytime!
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Life insurance is a way to provide for your family when you’re no longer there. If you think you don’t need life insurance, ask yourself this question. “Who will provide for my family if I’m gone?” Will your family be able to pay for your final expenses? Will they be able to continue making mortgage payments or will they have to move? Will they be able to afford the cost of daily living? If your family will have financial problems when you’re gone, then you need life insurance.

who needs life insurance

Who Needs Life Insurance?

Married People

Married people need life insurance for a number of reasons including mortgage, rent, car loans, and utility bills. If you are not able to pay all of those things without your spouse’s income, then it’s a good idea to get life insurance.

Families

Most people rely on two incomes in order to earn enough money to live. If one of you died suddenly, would you be able to pay the mortgage or daily living expenses? Life insurance can give you the security your family needs.

Single Parents

Life insurance for single parents is necessary to give your children what they need. It can provide funds for education and daily living. This is also very helpful for the godparents who would be responsible for your children.

Stay-at-Home Parent

Even if you don’t work, you are still invaluable when it comes to providing care for your children. If your spouse is left with all of that responsibility, plus working, will they be able to provide the same level of care? Life insurance can help do that.

Retirees

Depending on the size of your estate, your loved ones could get hit with an estate tax payment of up to 45% after you’re gone. Life insurance can take care of these payments, funeral costs, and any other debts. Life insurance payouts are income-tax free.

Small-Business Owners

Life insurance for small businesses can be through a buy-sell agreement or key person life insurance. Both options are ways to keep a company afloat if the owner or key person dies unexpectedly.
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