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Life Insurance
If you are worried that you or a loved one may pass away unexpectedly, life insurance can help you prepare for the worst. A life insurance policy provides you with coverage that pays your beneficiary a death benefit when you, the insured, dies. There are two major types of life insurance, term life, and permanent life.
Term life only lasts for a short period of time, while permanent life lasts for the insured’s entire lifetime. Which is best for you depends on your specific situation. To learn more about life insurance, continue reading this page.
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What Are Death Benefits?
Death benefits are a payment made to your beneficiary if you die while covered by a life insurance plan. Death benefits vary in their amount, with certain plans offering more than a million dollars in death benefits to qualified consumers. Your death benefit will be decided based on your age, gender, and health status.
How To Get Life Insurance
Traditional life insurance requires a medical exam after you submit your application. The medical exam will be used to determine if you are eligible for coverage, and if so, how much. If you have a severe chronic condition or another major health issue, you may not qualify for coverage. To find a plan that offers the best odds of accepting you, contact an insurance agent today.
Whole Life Insurance vs Term Life Insurance
If you don’t know whether permanent life insurance or term life insurance is the best choice, there are certain factors you should consider. First of all, how long do you expect to need coverage? If you only need coverage until you retire or save sufficient funds to replace your income, term life insurance is a good choice. If you think you may be at higher risk later, it would be a good idea to get permanent life insurance while you’re still young. Which choice makes more sense always depends on your specific circumstances, so work with a skilled insurance agent to make the best choice.
Find Life Insurance
Life insurance offers peace of mind to you and your family. To get started with shopping for a plan, contact Insured For Life to receive a free quote.
