Protect What You Care Most About

 Most Americans accumulate some level of debt during their life. When you pass away, several outstanding dues become your heirs' obligations. Life insurance ensures your debts are paid off and protects your family from such a heavy financial burden. 

Whether you are the sole breadwinner, or your spouse is also earning, the financial gap after you pass can be significant for the family. Be it day-to-day expenses like groceries or utilities or long-term educational expenses, an insurance plan can help balance that gap.

 A home is probably the biggest investment you make in your life. From sentimental value to a secure future, there are multiple reasons you want your children to keep the home once you die. With a life insurance plan, they can cover mortgage payments and maintain ownership. 

 If you are a business owner or partner, your passing can result in a crunch for your partners and employees. A life insurance plan can give a financial boost to the business and enable your heirs to buy/sell your share in a partnership, protecting the financial interests of all stakeholders 

 Unfortunately, immediately after you pass, your family has to start worrying about planning for your funeral. This can be a huge, unexpected financial burden so incorporating it into your insurance plan can really help the family at a time when they're grieving your loss. 

 A life insurance policy doesn’t just apply after you depart. In fact, the right plan secures your retirement plans too. You can withdraw “cash value”, the savings component of your plan, during retirement or set it aside for long-term care expenses.