Life Insurance
What is Life Insurance?
It’s not about you. Life insurance is something you do to protect those you love so they don’t suffer financially if your income is no longer there. Life insurance can be the only thing that stands between your loved ones and financial hardship.
Life insurance is needed for the “what ifs” in life. What if I die unexpectedly? Could my family continue to live in our home? Would my children have the funds to attend college? Will my family have the funds on-hand to pay for my funeral and final expenses? Life insurance is there to provide financial help to those affected by the “what if” situations.
Life Insurance Products
Life is Expensive. From rent to car payments, utilities, groceries, and everyday expenses, just to name a few. These expenses can be a large portion of your monthly income. If something happens to you, are your loved ones Financially Prepared?
Whole Life vs Term Life
There are two types of life insurance: Whole life and Term life. The specifics of your life — age, income, and other factors — help determine which type of and how much life insurance is appropriate for you. But one Fact is remains true: Funds for your funeral and final expenses will always be needed.
If the loss of your income would negatively impact those who depend on you, consider adding a term life policy to a whole life policy. Term life insurance can help your family if you die during your peak earning and asset accumulation years.
Whole Life
Provides Coverage for your Entire Life.
Premiums Never Increase during Ownership of your Whole Life policy.
Builds Cash Value and Loan Value.
Term Life
Provides coverage for a Limited Period of time.
After that period, policyholders typically pay increased premiums to continue coverage.
Usually less expensive than Whole Life insurance.
Protecting Your Future with Care and Expertise.
Call for a Free Consultation
Raymond Rosales
Lic Agent | Benefits Director
Globe Life | American Income Life
Call: 786-520-5903