【實用財經app】Life Insurance|最夯免費app-gigacircle

Are you fully covered?

Do you have life insurance? If not, you’re not alone. Thirty percent of U.S. households have no life insurance coverage, leaving them at risk of financial difficulty if a primary breadwinner dies.*

If something were to happen to you, life insurance can help replace your lost income and provide your loved ones with a solid future through additional benefits such as:

Transferring your wealth tax-free to ensure that your assets go to your loved ones – not the IRS.

Preserving your assets by providing funds to help cover estate taxes.

Building cash value (through permanent life insurance policies) that you can access through loans or withdrawals to supplement retirement income, cover emergencies, or help pay for education.

*LIMRA, Ownership of Individual Life Insurance Falls to 50-Year Low, August 2010.

Get the life insurance protection you need.

Buying life insurance doesn’t have to be complicated. There are plenty of great choices – making it easy to find the right coverage for your needs. There are two basic types of life insurance:

Term life insurance provides affordable, basic insurance protection for a specified period of time. It does not build cash value.

Permanent life insurance does not expire, as long as required premium payments are made. It can accumulate cash value based on either a fixed interest rate or variable subaccount performance.