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What is life insurance?
Life insurance is a contract with an insurance company. You are protected through the lifetime of the contract in exchange for monthly or annual payments. If you were to die while your policy was active, your chosen beneficiary (more on beneficiaries later) would receive a sum of cash. Your beneficiary might use this money, called a death benefit, to pay final expenses, pay the rest of your mortgage, or cover any expenses for your loved ones. In most cases, the death benefit is tax-free.
What is Cash Value?
Cash value in a life insurance policy is like a savings account that grows over time as you pay premiums. This money can be used for different things while the policy is active. For example, you could use it to help with expenses like retirement, education, emergencies, or even take out a loan if needed. It gives you a way to save and plan for the future while still having protection in place for your loved ones.
"I thought that what I had though my job would be enough to take care of my wife and our youngest son. After sitting down and reviewing the gap in coverage we actually had, we saw that there was not near enough to ensure she would be able to keep our house if I died or couldn't work due to being sick. We found a policy that fits into our budget and takes care of them if something happens to me"
-James Shelters | Oklahoma
Who needs life insurance?
If you were to die, would you leave behind debt, or would your loved ones face a financial hardship? If the answer is yes, you need life insurance.
If you are married, have dependents, own a small business, or you would leave behind a sizable personal estate, you need life insurance. If you are single, you do not have any dependents, or you would not leave behind debts related to business, personal or medical expenses, you probably don’t need life insurance right now.
When it comes to buying life insurance, you have a lot of options.
Every type of life insurance has its own unique advantages, and many options even pair nicely together. With most options, you can add riders to your policy, meaning that you could protect against a critical illness or disability on top of your 15-year term life policy. We will cover more on riders later – below are the types of life insurance on the market today.
Term Life Insurance
Permanent Life Insurance
Critical Illness Insurance
Disability Insurance
Final Expense Insurance
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Other Benefits of Life Insurance
Flexibility: You can choose the length of your coverage and the amount of your monthly premium.
Quick Payouts: Unlike old traditional life insurance policies, newer policies typically pay out quickly, often within a few weeks of a claim being filed.
No Medical Exam Required: Some mortgage protection policies don't require a medical exam, making it easier for those with health issues to obtain coverage.
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