Life Insurance

Prepare for the Unexpected With a Life Insurance Plan

Tomorrow is never promised. If you have loved ones who depend on you financially, it’s only important that you protect them from loss of income when something unfortunate happens to you. Life insurance guarantees you that peace of mind.

With this policy, your beneficiaries (usually your family) will receive a specified sum of money upon your passing. This payout is called a death benefit, and it can be used however it’s needed. Life insurance is highly recommended as part of your financial plan, especially if you’re a breadwinner, newlywed, young professional, or someone with children or dependents.

More reasons to buy life insurance:

  • Life insurance guarantees that the loved ones you leave behind will have the money they need to cover day-to-day purchases, pay household debts, cover educational expenses, afford healthcare, and preserve a family business.
  • It gives you confidence knowing that the people who matter most to you will be taken care of if the worst happens.
  • It helps you create and leave a tax-free inheritance. Payouts for death claims are not subject to federal income taxes, so rest assured that your beneficiaries can enjoy every dollar you leave for them.
  • Life insurance helps you save money and reach your long-term financial goals.

Have more questions?

We Have You Covered at Your Insurance Advisor

Life insurance is different for every person. Here at Your Insurance Advisor, we will guide you through your choices and match you with the policy that will work best for you and your unique situation. We offer:

  • Term life insurance. This policy has an expiration date, often lasting between 10 and 30 years. It is the most affordable life insurance type and can be used to pay for temporary needs like mortgages, debts, and childcare.
  • Whole life insurance. Unlike term life insurance policies, whole life insurance doesn’t expire. It also builds a cash value that can be borrowed against and used however you wish.
  • Universal life insurance. This type of life insurance is similar to permanent life policies; the only difference is that it gives more flexibility when it comes to premiums and cash value.

Life insurance can be tricky to navigate but worry not because our state-licensed agents are here to supply you with all the knowledge you need to secure your family’s financial future. Whatever reason you have for getting life insurance, we and our partner insurers will provide you with an affordable and comprehensive policy that gives you peace of mind.

Contact us at 573-355-4803 to get started. We serve clients in SERVICE AREAS HERE.