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Here are some questions to ask your applicants as they consider Life Insurance options:
|How much money would my family need to maintain a quality lifestyle?|
|How will my final expenses be paid after my death?|
|Will there be estate taxes to be settled?|
|Are there dependents for whom I’d like to furnish an education?|
|If I were to die early, how would my dependents/survivors get by?|
|How will inflation affect all of the above?|
Term life insurance covers you for a term of one or more years. It pays a death benefit only if you die during the specified term. Generally, this type of insurance offers the largest insurance protection for your premium dollar.
Term life is usually purchased in 1,5, 10, 15, 20, 25, and 30 year terms and in $10,000 increments starting at $25,000.
|Here’s an example:|
|$100,000 death benefit||with a 10 year level term||for a 30 year old male|
|$9.63 premium per month|
|(guaranteed for 10 years).|
It is vital that you do not underestimate the amount of life insurance your applicants will need.. This error could be costly to your family and self. People do not ordinarily skimp on life insurance. To estimate the amount of life insurance you need, calculate a range of five to ten times your annual income. Of course, our staff will be happy to help you with your decision when we call you with your quote.