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Life insurance can help ensure your family is not burdened with debt after an unexpected death. Providing financial security for your family can help them pay for large expenses and maintain their current standard of living. It can even figure into your estate planning.
Determining your life insurance needs:
1. Stage One: Protect (ages 25-40)
If you and your spouse work, you still need insurance to supplement the potential loss of an income if one of you passes away. Consider insurance for a stay-at-home parent to cover childcare expenses if the non-working spouse dies. You might also think about using life insurance as a long-term savings tool to help meet future financial needs.
2. Stage Two: Re-evaluate (ages 40-55)
Adjust your life insurance policy and your coverage to meet your current needs. If you are earning more than when you first purchased insurance, more income would need to be replaced to meet your family’s future expenses, especially college. You also need to start thinking about whether you are saving enough for retirement.
3. Stage Three: Supplement (ages 55-65)
Do you and/or your spouse have enough money to retire comfortably? While still considering death protections for your family, you may also want to set aside money for your grandchildren’s education and plan for potential long-term care needs.
4. Stage Four: Conserve (ages 65 and over)
You have worked hard over the years to build an estate and you should preserve it for your family with an estate plan. Life insurance can provide cash for your heirs to help pay estate taxes, thus preserving other assets.
Life insurance can help ensure your dependents will have the financial means necessary to maintain their standard of living after you are gone. Contact us today for help analyzing your life insurance needs by calling 570-966-7402.
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