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Life insurance is an important tool that should be a part of everyone's plan to protect against financial loss at death. In exchange for payment of premiums, an insurance company agrees to pay your beneficiary an amount of money based on the death benefit of your policy.
There are many good reasons to purchase life insurance and the type of coverage you need depends on the amount needed to cover both anticipated and unanticipated expenses for your family and loved ones. Life insurance can be used to pay funeral expenses, replace lost income, pay off debts or loans, create a fund for your children's or grandchildren's education, or care for dependents or loved ones with special needs.
For more information about life insurance, please see our Life Insurance FAQ.