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  • Writer's pictureRetirement and Annuity Advisor Jennifer Lang

See Why You Need Life Insurance

Everyone deserves a secure financial future—and that's why life insurance is so important. Whether you're just starting out or you're getting ready to retire, life insurance can help make sure your loved ones are protected.


A lot can happen throughout your life—and as your world changes, so do yourlife insuranceneeds.

Starting your career

You dream big. And since you're just starting out as an adult, now's the perfect time to protect the life you have ahead of you—at the best rate possible.

Life insurance can help you:

  • Establish yourself financially

  • Maintain coverage and lower rates even if you change jobs or lose employer coverage

  • Protect co-signers or family from student debt should anything happen to you

  • Ensure the people you love most are protected Growing your family You're experiencing some of the biggest and best moments of your life. From expecting a new baby to buying your first house, at this stage, you have a lot to protect.

  • ​Life insurance can help you:

  • Provide income to handle expenses if something happens to you

  • Help make sure your family can stay in your home

  • Cover college expenses or pay off education debts

  • Leave money for your family – free from federal income tax

Raising children on your own

Without a doubt, your first priority in life is taking care of your children. It's a good time to start thinking about their future.

Life insurance can help you:

  • Provide financial stability to help protect the life you envision for your children

  • Cover educational costs and even college

  • Better prepare those who will be counted on to help raise your children should the unthinkable happen

  • Set the foundation for your financial plan and future protection Nearing retirement Whether you're soon to be an empty-nester or are already retired, it's about time to confidently take that next step in life. Life insurance can help you:

  • Protect co-signers, children or grandchildren from debt should anything happen to you

  • Make sure your future is financially protected

  • Cover unexpected long-term care, or final expenses

  • Leave an inheritance behind Living in retirement You've been working for this your entire lifetime and with careful planning you're ready to make the most of it. Now's the time to reassess how life insurance can provide security during your golden years. Life insurance can help you:

  • Pay final expenses. Your loved ones may use the death benefit to help pay for final expenses, such as estate administration and burial costs.

  • Provide emergency funds. Borrowing or withdrawing from a life insurance policy that carries a cash value may be able to provide some funds when you need it. Such as, if you don't want to redeem investments during a volatile market.

  • Help replace retirement income. For couples relying on Social Security or a pension, life insurance can help replace that income if you pass away.

  • Help offset unexpected medical costs. If you are diagnosed with a terminal illness, life insurance can help offset medical expenses.

Be one step closer to finding the life insurance for you with a quick term life quote.

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