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Life Insurance Information
Thinking about your own death can be difficult, but it’s an essential part of planning for the future—especially if you are married, have children or have significant debts. Life insurance can help you and your family feel secure, knowing they will be financially protected when you pass away. This coverage can prevent your family from experiencing financial hardships after your passing.
What Is Life Insurance?
Life insurance is a type of insurance policy. At the end of your policy’s term or following your death, the death benefit (money) is paid to the people you’ve named as beneficiaries.
Life insurance can provide financial security for your household in the event of your death. If you are married, both spouses should have a life insurance policy, especially if both people bring in an income. Death in that situation could be a difficult financial loss for your household. A life insurance policy can provide the funds to cover expenses such as childcare and other domestic costs.
What are the Types of Life Insurance?
There are two main kinds of life insurance that many people choose:
- Term life insurance can provide money for your beneficiaries if you die during your policy’s term, which may be a period of 10, 20, 30 or more years, depending on your policy. If you don’t die during this period, your policy won’t pay, and you need to reapply for a new policy to continue coverage.
- Whole life insurance lasts for the rest of your life once you’ve enrolled, and your policy won’t expire unless you stop paying it. Whole life can offer a cash value investment opportunity, giving you a revenue source while you’re alive and the eventual death benefit.
There are numerous of types of life insurance, and Carolina Capital Insurance Group can explore if any of these would be applicable.
- Final expense insurance
- Group life insurance
- Individual life insurance
- Key person insurance
- Long-term care insurance
- Mortgage protection insurance
- Second-to-die policy
- Universal life insurance
How Does Life Insurance Work?
The first step in obtaining a life insurance policy is meeting with us. We can help you determine your specific needs or your insurance. We may contact a third-party administrator to conduct a physical exam on you. After this exam, we’ll share with you your life insurance rates and you can choose suitable coverage. Your policy premium is based on your life insurance, risk and health.
What Is the Benefit of Life Insurance?
Life insurance enables you to give your loved ones a financial safeguard after you die. You may provide financial support to them now, and when you die, your life insurance policy can replace this income. This money can be used for anything—from funeral expenses, living expenses and mortgage payments to everyday bills and expenses.
Contact Us Today
At Carolina Capital Insurance Group we want to help you obtain the coverage best suited for your needs. Contact your agent today to speak about why you need a life insurance policy to plan for the future.