The Four Perils of Life and How Life Insurance Can Help

While the statistics of passing away at an earlier age is low, the financial consequences of not planning for that possibility can be high. The younger the family, the more protection you generally need. Often there is still student debt and a mortgage, as well as day-to-day living expenses that need to be addressed. Additionally young children will require years care and have future educational needs. Life insurance financially protects the family you love.

Affordable Life Insurance for Diabetics

If you are diabetic and looking for life insurance, be sure that you work with a life insurance agent who can look at various companies and help you “shop” for the most affordable life insurance rates for your condition. When speaking with an agent, be prepared with details of your health history. The agent is on your team and there to help you get the best possible rate, so honesty is the best policy.

Life Insurance After Retirement: Oxymoron?

Unlike health and car insurance, many retirees opt to drop their life insurance policies when they drop their jobs. The logic being that if someone is in a position to retire, they are generally financially stable enough that their death will not leave a spouse or other loved one struggling to make ends meet. While you don’t need life insurance under these circumstances, there are a few reasons why you might want to hold onto your policy.

End-of-Life Documents: What Are They and Do I Need Them?

Lets say you are incapacitated by an accident or illness, this document allows the person you’ve chosen to act for you—and quickly. That can help you avoid a lot of problems, including hard-to-get guardianship and conservatorship rights. (If you are unsure of what either of these two terms means, this article makes it clear.)

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