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Disastrous events can happen at any time. If you die suddenly, your spouse, parents, or children will all be left to handle your debt along with massive funeral expenses. Getting life insurance as soon as possible is the best way to make sure that your family will not be struggling after you’re gone.
Reasons to Get Life Insurance
There are several reasons you should get life insurance. The independent insurance agents at Strack Insurance Services in Arlington, TX can help you tailor your reasons and point you in the right direction for the insurance coverage you would prefer.
Some of your reasons may include:
- Replace income. If you are the primary financial provider, your family could be devastated by your emotional as well as financial loss. Having the right type of insurance could keep your family from poverty.
- Pay for the funeral. Funerals can amass a large amount of expense and throw your family into further debt. A portion of life insurance can be used to supplement the cost of a funeral.
- Diminish debt. Large amounts of credit card debt, car payments, mortgages, and other loans will be left for family members in your absence. Getting the appropriate policy can protect your loved ones from unnecessary burdens.
Types of Life Insurance
- Term Life insurance provides protection for a specific period of time at a fixed-premium price. If you die during this time, the benefits will be paid to your beneficiaries.
- Whole Life insurance can be more expensive than term life, but pays for your whole life and matures after 12-15 years. As long as the premiums are paid, your beneficiaries will receive the payout.
Strack Insurance Services agents in Arlington, TX can provide you with useful information regarding life insurance coverage for you and your loved ones.