Life is unpredictable so you want to protect your family and those that depend on you financially.
Life insurance will help make sure that even if you can’t be there, you are still taking care of those people you love. The most important time to have insurance is when you are a young adult, especially if you have young children. Think ahead…if you aren’t there, will there be money to raise them? For their education?
There are many types of life insurance available. Basically there is term insurance and whole life insurance. Term insurance lacks an investment component or cash value while whole life and other permanent forms of life insurance do. It’s important to make sure that the company you purchase a policy from is financially strong. Depending on your immediate needs and long term goals, an independent agent can help you choose what is best for you and your family.