Life Insurance is LOVE Insurance ™

Beyond all the “living benefits” of life insurance (cash accumulation, retirement supplement), there is one obvious benefit: protecting the loved ones you leave behind. Life Insurance is LOVE Insurance ™.

Even if you have no dependents or they are all financially independent, you need to at least cover final expenses and estate taxes, to make sure you don’t leave a financial burden as well as an emotional one. It is recommended to get life insurance early while you’re young and healthy to take advantage of way lower premiums, but coverage is also available even if you’re in your 80′s and with not so great health for a significantly higher premiums, but you can at least cover the final expenses.

There are two main types of life insurance: term and permanent. The difference is like renting VS. buying a home or asset. Term insurance terminates after a set amount of time providing coverage when you need it most (until children become independent, mortgage is paid off, business loans are paid etc), while permanent insurance (whole life, universal life) will continue protection to age 95, 100 and beyond for those who want to leave a legacy or just avoid leaving a financial burden to loved ones.

Permanent Life Insurance (Whole Life / Universal Life).

Term Insurance.

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Life Insurance can protect your family in the time of need. There are many life insurance benefits that are often overlooked: protecting your mortgage, protecting assets and asset distribution, supplement retirement funds, self-banking or the concept of Infinite banking using loans out of the cash value which can be repaid back to the policy with no APR’s or rigid bank terms.

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