Caring for Your Family

Life insurance is an essential protection tool for all families. Consider how your loved ones would fare if something were to happen to you. How would they:

• Cover the mortgage?
• Pay for college?
• Pay for medical treatment?
• Keep a child in daycare?
• Care for an elderly parent?
• Provide for a loved one with special needs?

If you’re not sure how to answer any of these questions, it’s time to consider purchasing life insurance.

Birth or Adoption of a Child

Life keeps moving. Any time you welcome an addition to your family, you should take the time to think about your current level of life insurance coverage. As your family grows, your responsibilities and protection needs will typically grow as well. Make sure your life insurance coverage keeps up with your life.

Remember to update your policy’s beneficiary information whenever you welcome a new member to the family!

Blending Families

Blending two families can be both an exciting and challenging time for everyone. As you start this new chapter of your life, take the time to re-examine your life insurance coverage to ensure it meets the needs of your new family. Your previous needs may no longer apply, or they may have significantly increased. Talk to a financial professional about helping to ensure your children and step-children are all protected.

Protection for ALL Families

No two families are exactly alike. The flexibility of life insurance allows it to be tailored to your specific needs.

The generally tax-free death benefit (according to IRC Section 101(a)) of a life insurance policy can help protect your spouse or partner, your children, your grandchildren, a loved one with special needs, or an aging parent.

Life insurance allows you to name your own beneficiary—something that can be especially helpful for civil unions and other families that face benefit restrictions due to state or federal law.

Getting Started

A financial professional can help you through the process, from answering questions to determining the policy that is appropriate for your needs.

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