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Life Insurance is a very important coverage because it provides important
income to your family upon your death. It is important because it
can help provide necessary funds for a mortgage, college tuitions,
everyday expenses, utility bills, probate and estate tax bills, real
estate bills and savings accounts for family and children. Life Insurance
is a tool for most families to help them make real life decisions
should a spouse suddenly die from an illness, injury or accident.
There are two types of Life Insurance; Term and
Whole Life. Every insurance company provides different
terms or years, guaranteed premiums and non-guaranteed premiums,
payment options and how long the policy contintues. Term is written
for a specific time period such as 5, 10,15, 20 and sometimes 30
year periods. Whole Life Insurance has many different forms such
as Universal, Whole Life and Variable. Depending on the insurance
company, there are many different options to add to the basic policy.
The premiums for Whole Life are higher because the policy is set
for your whole life.
Health Exams are given by Visiting Nurses within 10 days of completing
an application, so it's best to write these policies when you are
younger and in your most healthier life. As you get older, the premiums
will increase. |
