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Replace your income
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Cover final expenses
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Life insurance is important because:
One of the primary reasons people get life insurance is to help ensure their loved ones won’t face financial hardships if they pass away unexpectedly. If you’re married and have kids, this can matter a lot, especially if you’re the primary breadwinner. Without your income, your family might not be able to afford your mortgage or cover tuition costs. Your life insurance death benefit can help pay for these.
Also, keep in mind, if you are a stay-at-home parent, the value you provide through your work with your kids and at home is important. If you were to pass away, your spouse would have to pay for the services you provide taking care of your family.
Life insurance is important even if you don’t have a spouse or children. If you have a partner you share finances with, for example, they might not have the funds to cover the bills that you normally split.
When a loved one passes away, it’s always an emotional and stressful time. This already difficult period can be more challenging if there are concerns about replacing income and covering bills.
While your life insurance policy can’t solve every problem, it can provide a bit of a buffer for your family to get back on their feet. Knowing they have your death benefit to cover the mortgage, for example, can give your spouse the time they need to move forward at their own pace.
As always, coverage is subject to a number of exclusions and limitations. Additional coverage may be provided through additional coverages and coverage extensions. Several popular options printed in the policy apply only if coverage is activated in the declarations. The insured should always read their policy to be aware of these exclusions, limitations and coverage extentions that may apply.
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Fixed annuities provide:
One of the biggest concerns people have as they near
retirement is wondering how long their money will last, as
today’s retiree can no longer depend on just traditional
pension plans and Social Security to support their
retirement lifestyle. That makes having a plan to make the
money you’ve worked hard to accumulate last well into
your golden years more important than ever.
A sound retirement income strategy could include many
options. One option is putting a portion of your assets into
a deferred income annuity.
A deferred income annuity can provide you the
predictability of guaranteed, reliable income payments.
The payments can also last as long as you live, providing
you financial security well into your retirement years.