Life insurance is designed to protect against the financial risk associated with your death. It may also help you provide to your loved ones the financial resources and security you want for their future. Think of the common needs associated with the purchase of life insurance: mortgage and debt protection, funds to pay any final expenses (medical and/or funeral) or estate taxes, income for your spouse and family, the care of a child with "special needs", or perhaps the funding needed for the education of a child or grandchild. If these are concerns in your life, then a life insurance policy may be something you should consider.
Some people fulfill their philanthropic desires with life insurance designed to assist the funding of a favorite charitable organization, church or educational institution. So as you can see, there are many "needs" that can be covered with life insurance.
When you buy life insurance you want the type of coverage that best fits your needs. While life insurance is primarily there to cover the financial effects of an unexpected or untimely death, it is also a way for you to plan for the future. A good agent can help you in reviewing your needs and give you helpful information about the type of policy that is right for you.
Whatever your needs may be, a life insurance policy has the potential to help you achieve financial security and, at the same time, creates the ability for you and your loved ones to realize your dreams.