Over the past few months there have been too many times when friends and family members have lost loved ones, or there have been obituaries in the paper of people much too young to pass. The reality is we can’t plan for our passing any more than we can change what happened yesterday. What we can do is make sure our loved ones have all they need in case the unplanned happens.
The last thing people want to talk about is death benefits, but what would happen to your family if you were to die suddenly? Who would pay the mortgage, car payments, household bills? Would there be enough to pay for college? In reality, all to often we leave the life insurance until the last minute, or think we’re covered when we’re not. You may have had a work-place policy purchased for you by your employer, but that is only good until you leave employment or retire, and the employer has chosen it for you.
With a an affordable term life policy, you get to decide the term and the benefits you want to go along with it. The application is easy, there is not medical examination requirement, and the death benefit is income tax free. A term life policy also gives you peace of mind because you can convert it from a term to permanent if you choose. Converting from term to permanent life insurance has a whole other set of living benefits in itself.
While no one wants to talk about what will happen should we die prematurely, the conversation doesn’t have to be difficult. With a term life policy that gives you affordability, flexibility and peace of mind, it could start with what you want to give to those you love.
Call an AC Financial Adviser at (800) 574-3136 to talk about affordable term life insurance to protect your family’s future.