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Why Buy Life Insurance?
Love. Yes, that's right. Love for your spouse, children, family, or even your school. This insurance provides financial protection for your family and friends when you die. There are basically two types of life insurance ? Term and Permanent. Term life insurance provides insurance for a specific amount of time. Like, for one year. You can usually renew annually, and this is called "Annual Renewal Term". This works until about age 80. Level Term offers you a level premium for a fixed amount of years. You lock in a rate for 20 years. Then you have to get a new rate or new policy. Permanent Insurance is also called whole life, universal life, etc. This form of life insurance also has a built in savings plan. You get a death benefit with a cash value savings plan attached. Of course, this plan is more expensive, but allows for some financial latitude. You may be wondering why you would need insurance and what could you do with the proceeds if your spouse or loved one died. Here are some ideas that would help with the financial loss. Think about your family and decide what type of life insurance would protect them the best. Let me know if you can think of other helpful information on what to do with life insurance proceeds. Stuart Simpson
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