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Life Insurance to Care for Your Loved Ones
Death requires planning. Before you die, you have to think about how your family will pay for your burial. You also have to consider the medical costs you might leave behind. Then, there’s the issue of your family surviving without your income. All of these things can be taken care of with life insurance. Having this coverage is like giving a gift to your loved ones.
The death of a loved one is always traumatic. It’s even worse when a mountain of bill pile up or there is no money for everyday expenses. Life insurance is a contract with an insurance company. It requires them to pay death benefits to your beneficiaries in the event of your death.
You must pay your premiums to keep the insurance active. It doesn’t matter if you have term life or whole life insurance, failing to pay premiums will cause the policy to lapse. Your premiums are determined based on your health and age.
It’s important to note the differences between term life and whole life insurance. Term life lasts for a specific period and then coverage ends. Whole life lasts for your entire life – no matter how old you are when you die. Whole insurance is typically more expensive than term insurance, but it provides cash value.
Life insurance makes things easier for your family. When you die, you know they will survive without struggling financially. The sooner you get life insurance the better. It is harder to get coverage when you reach a certain age or are sick.