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What Is Life Insurance?
Life insurance is a contract between you and an insurance provider: you pay monthly or annual premiums, and in return, your family receives a lump-sum payment (called a death benefit) if you pass away during the policy term.
This money can help cover:
Mortgage or rent payments
Everyday living expenses
Children’s education
Funeral and medical bills
Outstanding debts
Why Get Life Insurance Now?
Lock in Low Rates While You’re Young & Healthy
The younger and healthier you are, the lower your monthly premiums will be — some plans start at under $10/month.
Protect Your Loved Ones
Ensure your spouse, children, or aging parents are financially protected if something happens to you.
Peace of Mind
Life insurance gives you the security of knowing your family won’t struggle financially during a difficult time.
No Medical Exam Options Available
Many providers now offer instant approval life insurance with no health exam required.
Cash Value & Investment Options
Some life insurance plans (like whole life insurance) even build savings you can borrow from later.
Term vs Whole Life Insurance: What’s the Difference?
Feature Term Life Insurance Whole Life Insurance
Duration 10–30 years Lifetime coverage
Cost Lower premiums Higher premiums
Cash Value No Yes – builds over time
Best For Young families, budget-focused Long-term planners
Who Should Consider Life Insurance?
Parents with children
Homeowners with a mortgage
Married couples
Business owners
Seniors wanting to cover final expenses
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