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Life Insurance

Peace of Mind

Plan Your Future

 

Nobody likes thinking about their own death and the aftermath where loved ones are grieving. However, securing life insurance is all a part of financial planning, and this requires you to think ahead. As a parent, spouse, and loved one, life insurance is critical coverage that helps your family to recover after your death. In fact, you’ll never get to use life insurance, but your dependents will. It’s a selfless policy that ensures that your remaining debts, funeral costs, and more are covered. This gives you the peace of mind that your family is protected so that you can live a worry-free life.

Generally, there are two main types of life insurance available:

Term Life Insurance — This covers you for a set amount of time, such as 10 or 30 years. Once this term is up, your policy will discontinue unless you choose to renew it (but at least you’re alive!). If you pass on during this period, your beneficiary will be entitled to the policy payout.

Permanent Life Insurance — This is otherwise known as Universal or Whole Life coverage because that’s exactly what it is. It is an inclusive policy that covers you for your entire lifetime so that you don’t have to worry about coverage expiring, rendering your dependents exposed.

Life insurance can be used to cover a variety of common expenses:

1
Co-Signed debt

Including Student Loans

2
Living Expenses

For the Family

3
Mortgages

For Homeowners

4
College Expenses

For Your Children

5
Stay-at-Home

For Parenting Expenses

6
Burial Expenses

For the Unexpected

7
Loans

From Family Members

8
Estate Taxes

For Other Assets

We Make it Easy

 

Caring for your family’s future comes easy to the team at Higgins Insurance Agency. We work to secure a reliable life insurance policy that meets the needs of your family, finances, and lifestyle, all at the right price.

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