Do you need life insurance? If you have it, do you think it is enough?
Do you have the the kind of Life insurance that pays you if you live?
Generally, if someone has a financial
need and they depend on you to meet their need, you should consider
life insurance to help protect them when you can’t. Life
insurance will continue to provide for those needs even after your
death. It can help meet daily living expenses, housing and education
expenses for your family. Currently, Life insurance benefits are not taxable by
federal income tax.
But what if you Live? Do you know you can receive some or all of the death benefit if you are unable to work, become disabled, have a stroke, heart attach or are diagnosed with cancer? If not, you might want to get your insurance policies reviewed before it's too late!
You can also use a specialized life insurance policy to help if you have a long term care situation in the future. You can access the leveraged death benefit to help pay those expensive long term care costs. If you don't use it for LTC, then your beneficiaries can receive the death benefit, income tax free.
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