There are three types of Life Insurance, including Term Life, Whole Life, and Universal Life. Thisis a big purchase, and it will remain with you for many years. To determine whether your family needs life insurance, consider the following questions:

• Do you have debt to pay?

In the event of your passing, your family will have to assume your debt. Your spouse, parents, or siblings can end up responsible for your debt after your passing. To protect them, you need Life Insurance.

• Do you have kids?

If you have children and do not have life insurance, you are placing your children in danger, because they will have no assets in the event of your passing and they will have to take care of the final expenses and debts as well. In order to not place financial burden on your family, you need this.

• Do you own a business?

For business owners, it is important to have a succession plan in place to determine who will inherit the business in the event of your passing. Having Life Insurance will ensure that your business is protected.

Consider your answers to these questions and determine whether you need this type Insurance. Our licensed independent agents will be happy to answer any questions you might have about the available policies according to your individual needs.