You’re committed to protecting all you’ve achieved through this point in your life.

Through sound planning, Life Health Home Insurance Group, LLC can help you protect against things such as an unexpected health crisis or death of a loved one that could undo part of what you have accumulated in your lifetime.

Why insurance? One of the most common reasons for purchasing life insurance is to preserve economic security for a spouse or dependent children. Insurance proceeds can be used for many different purposes, including:

- Replacing lost income
- Paying the mortgage 
- Covering college costs
- Providing financial protection for your spouse, your children, parents, a disabled relative or other loved ones
- Removing outstanding debt
- Providing liquidity to pay estate taxes
- Leaving funds to a favorite charity

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. 

How do I choose the right type of policy?
The best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with one of Life Health Home's professional agents.

Take time today to speak to us, confidentially, about planning for your future and protecting what you hold dear.

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