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What You Need to Know about Life Insurance by Cleo Gib





What You Need to Know about Life Insurance by
Article Posted: 12/13/2015
Article Views: 319
Articles Written: 12921
Word Count: 605
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What You Need to Know about Life Insurance


 
Insurance

Planning for your financial future is an endeavor you should take seriously at any age. A diversified approach is the safest and smartest way to cover all your bases, and life insurance is one of the facets that deserve serious consideration. In this day and age, there are many options for your life insurance in Greenville, SC.

Start Early

When you are young, it can feel as if nothing will ever happen to you and that life insurance is an expense that you simply cannot afford at this stage in life. This is the stage of life, however, where the death of a loved one can be the most financially devastating. Most people are not prepared to deal with this kind of financial upset, so having some coverage in case of tragedy is essential to getting back on your feet. You wouldn’t want to leave your loved ones with undue financial burden, so life insurance is a must.

Consider Your Needs

When looking at life insurance options, there are different factors that should come up for discussion. Your family’s standard of living, funeral costs, income replacement, and overall financial situation should factor into your ultimate decision.

For example, a married couple with dual incomes and no children living in a modest home could get by with smaller policies than a stay-at-home parent of 5 children who depends on a spouse’s income. In the event of the death of a loved one, the last thing you want to worry about is how you will get by financially, and a good life insurance policy allows your focus to be on the grieving process instead.

Types of Life Insurance

The 2 main categories of life insurance options are whole life (or permanent) and term. Term policies are set to cover specific periods of time, where whole-life policies are good until you die, even if you live to be over 100 years old. Each type has its pros and cons, and the decision of which to choose is up to you, based on your needs and preferences.

Whole life is an umbrella term that covers many different types of policies. Universal life, variable universal, and traditional whole life are 3 common types, and each has variations depending on your particular policy. Traditional whole life involves a fixed amount that the recipients will receive, but the other options are good for people who don’t necessarily want to pay the same amount throughout their entire lives. By giving up the guaranteed amount, you can get life insurance tied to other investments, whether they are stock, bond, or money market-type investments. This can yield a higher return but also represents more risk. These types of policies are great for people who want to combine insurance coverage with investments (a good way to diversify your financial portfolio).

Term policies are straight insurance without the investment. Premiums increase as you age, and the policies are generally renewable over time. This is great for people who want coverage in case of tragedy but want to do their investments in other mediums.

Tips for Getting the Most out of Your Life Insurance

Looking at life insurance in Greenville, SC, can feel overwhelming at first. There are many options, and death is not something people like to consider. The alternative, however, can be devastating for a family, so it is best to take a deep breath and recruit some professional help. Take a good, hard look at your financial situation and determine how much you will truly need, and explore your options until you find one that meets the needs of you and your family.

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