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Life Insurance & Disability Insurance
What would your financial situation be like if you were forced to miss work for a year or more with a disability? Your paycheck could be gone, except for a small amount of compensation from Social Security. Your family might need to hire someone to cover your responsibilities around the house. In some cases your professional advancement or job security could be jeopardized do you know most family’s are in debt after the loss of two pay checks ! your nest egg will be gone.
With a disability policy you will at least provide you with 66% of your household income think about it’s better than no income at all
Why do I need life insurance?
Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Here are some reasons people buy life insurance.
The death benefit may be used for
- To replace income the family would need to maintain their standard of living after the death of a wage earner.
- To pay off a mortgage loan and other personal and business debts or to create a rent fund.
- To create a fund for children’s education.
- To pay final expenses, such as funeral costs and taxes.
- To create a family emergency fund or a fund for a family member with special needs.
- To pay for inheritance tax’s that results when your children inherit
- your home
Here are some of the Coverage’s Available
* Term Life * Variable Universal Life
* Universal Life * Whole Life
* Mortgage Life * Second To die