Do I need a life insurance policy? | Life Insurance FAQ

Why Consider Life Insurance?

• Provide financial security for your family in the event of your passing.
• Help cover outstanding debts such as car loans, medical bills, and credit card balances.
• Cover funeral and final expenses, which can cost anywhere from $8,000–$15,000 or more.
• Support future expenses like college tuition or retirement savings for a spouse.
• Offer peace of mind knowing your loved ones are financially protected.
• Protect your business by covering expenses, protecting business partners or funding a buy-sell agreement.
• Leave an inheritance to loved ones or legacy to a charity.
• Build cash value using permanent life insurance that you can borrow against or use in retirement.

Why Life Insurance Matters at Every Stage of Life

Life insurance is a smart financial move no matter your relationship status—whether you’re single, married, a parent, or somewhere in between. It’s not just for people with dependents; it can help cover debts, funeral costs, or even leave a legacy for loved ones or a favorite cause. One of the biggest advantages of buying life insurance early is affordability—the younger and healthier you are, the lower your monthly premiums tend to be. Even if you don’t think you “need” it right now, life can change quickly. Future health issues, lifestyle changes, or shifts in your financial responsibilities could make it more expensive or harder to qualify for coverage later on. That’s why it’s never too early to get a policy in place—you’re not just protecting your current situation, you’re planning ahead for whatever life might bring.

If you need assistance with getting life insurance protection or reassessing coverage that you already have in place, let our team of professionals assist you. Contact us today.