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Life Insurance

Suppose you have children, a spouse, or other dependents. In that case, a life insurance policy can certainly provide financial comfort for your loved ones. In exchange for premium payments, the insurance company will provide a death benefit to your designated beneficiaries after your death.

You also can purchase a policy that builds cash value that you can access by borrowing as a loan or through withdrawals. This is considered as a living benefit.

There are multiple types of life insurance:

Term Life

Term life policies last from five to thirty years and are a good option for those who need affordable coverage or to help with short-term needs. With term life, you also can change it into a permanent policy in the future.

Whole Life

Whole life insurance is a permanent policy that offers two primary benefits: a guaranteed death benefit and a cash value. Because a whole life policy lasts for your whole life, it is typically best for those who want to accumulate a cash value over several years while still having a death benefit available to their beneficiaries if the worst was to happen.

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Universal Life

Like whole life insurance, universal life is a permanent policy that lasts your lifetime and builds cash value. This policy is different from the other policies, though, as it also provides the flexibility to raise or lower the premium payments. Overall, it is more costly than a term life policy, but typically cheaper than a whole life policy.

How much life insurance do I need?

The answer to this question ultimately depends on where you are at in life and how many depend on you as the primary source of income. If you are young, or have a lot of people depending on you, you will more than likely need a large coverage amount.

For more information about life insurance and how you can purchase a policy, reach out to Rothrock Insurance Solutions today.