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article:
Life Insurance: Chosen to Best fit Your Needs
Life insurance, like
, is based on your age and health. But while
health insurance is intended to pay your doctor bills if you become
ill, life insurance has a wide range of purposes. Properly selected,
it can not only provide for your loved ones in the event of your
death, but can also increase your assets, provide a source for emergency
funds, and add to your retirement in later years.
Before , talk with your loved ones about your goals.
If all you need is temporary coverage while raising a family, a
term insurance may fit the bill just fine. However, if you want
something with a long term care rider, disability rider, spouse
term rider, children's term riders, or conversion potential with
long term savings, a term is the last thing you want. If you want
cash value and life long coverage, you want a universal or whole
life.
You may not know the
best kind of insurance you will need when you reach your retirement
years. However, it is always better to have more than you need when
you are younger and be able to lower your face value later than
to have the bare minimum now and find out that it is insufficient
once you have retired. Buying life insurance in your 60s and 70s
is not a cheap proposition.
Don't spend your life
blindly thinking you can wait on life insurance. It's very frustrating
to suddenly realize you need it and have company after company turn
you down or offer you a price you can't afford. Start now, and let
a licensed agent show you a plan tailored to fit your family.
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