What is Term Life Insurance and why it is so important?
Death is the worst emotional loss a family can suffer. All too often, the financial hardship that follows can make that burden seem unbearable. Term life insurance pays your family a cash benefit in the event of your death
Death is a fact of life. Your family has everything to lose by ignoring it, and everything to gain by planning for it. Our term life insurance plans protect your loved ones, allowing life to go on without the risk of financial loss.
What would happen if you died tomorrow? Could they pay the bills? Could they afford the funeral expenses? Could your children stay in school/college? Without your support, how would they get by?
It's not a pleasant subject, but death is often unexpected. Planning ahead is the only way to protect your family from hardship if the unmentionable should occur. More importantly, it's a way of showing your love and support during their most difficult transition.
What is Universal Life Insurance and why is it so important?
Death and taxes are inevitable, but universal life insurance helps you deal with both. With a universal life insurance plan, you get the coverage of life insurance along with a tax-deferred savings that grows over time.
Because life is unpredictable you could live into your 90's or you could die tomorrow. Nobody has the luxury of knowing when the inevitable will occur. The only way to guarantee your family's financial security is to be ready for anything.
Universal life insurance does just that. If death occurs, your policy will help deal with the aftermath. If it doesn't, you'll have savings to fall back on during retirement or hard times.
What is Spouse Life Insurance and why is it so important?
Because your spouse depends on you, emotionally as well as financially. Your death will leave grief and debt in its wake. With funeral expenses and lost income, your spouse will have little time to cope before the bills start piling up.
Don’t let, "'Til death do us part," be the end of it. With a spouse life insurance policy, you can ensure that your spouse is taken care of through the difficult transition.
You want to provide for your spouse in any situation, and spouse life insurance can help. Our spouse life insurance plans can be customized with a variety of options to ensure you and your spouse's financial stability through all of life's uncertainties.
Here are some benefits of Term Life Insurance, Universal Life Insurance and Spouse Life Insurance you may not have known about:
- No medical exam.
- Get up to twice the normal benefit in the event of accidental death.
- Receive your benefit early to deal with a terminal or critical illness.
- Received a monthly benefit to pay off your mortgage in the event of prolonged disability.
- Insure your spouse, your children, and yourself under the same plan for a single policy fee.
- Disburse the benefit as a lump sum or monthly over the course of several years.
- Earn interest on your premiums to provide you and your spouse an extra source of income for emergencies.
- Receive a refund of all your premiums when the policy expires.
As a homeowner, you have plenty of decisions to make. But before you start selecting paint colors or light fixtures, there's a more important decision to consider - making sure your mortgage payments will be covered should something happen to you. Take time today to speak to me about protecting your future, your mortgage, your home and ultimately your family. Don't wait another day, call today! Call 301-728-5505 or email us at edavis@LifeHealthHome.com
Visit our web site at www.LifeHealthHome.com today for more information
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