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The cheapest insurance compared to value, and the most valuable you can ever buy, is life insurance to protect your family.
If you are a new parent, congratulations! If you are looking into life insurance, congratulations on thinking ahead. You may already know that life insurance is not for someone who dies, it is to protect those who live. You can not be replaced; at least you can provide financial support.
Life insurance for young parents is inexpensive, possibly the least expensive life insurance you will ever be able to buy. Young parents should put some form of life insurance in place; your children's need for protection is probably at its highest when they are young. You may not yet be able to afford to replace every dollar you will ever earn; you may not need to. But you should make sure that the people you love at least get some help to keep your dreams going.
The least expensive form of Life Insurance is generally Term Insurance. That means you can buy more protection for your money. Click here to start a detailed quote and see how inexpensive it can be. Fill in what you can and we can contact you to help finish the quote.
A few hundred dollars a year can buy a healthy young person hundreds of thousands of dollars of life insurance. But because it covers a set term, it is not permanent, it eventually runs out. So think of Term Insurance as a way to buy insurance to provide for your child or children, and your spouse, if something happens to you while your kids are young.*
People sometimes recommend life insurance on the baby's life. Most of the time it's a wiser decision to make sure you have enough insurance on the parents' lives first. For financial planning purposes, there can be great reasons to buy life insurance for the child, but that's an investment rather than a protection issue. Protect your child first.
For the long term, for financial planning, you may need permanent life insurance. This is usually called whole life or universal life. Click the get a quote button or contact us if you would like to discuss the advantages of permanent insurance. Or call us at 1-800-548-2329
Clicking Here will take you to the non-profit Life Insurance Foundation for Education (LIFE) page for calculating life insurance needs. Or go to our Life insurance Quote button or click contact us and we can help you.
* Insurance to protect children with special needs requires careful review and planning. You might purchase Term Insurance to cover the decades while your children grow up. However, if a child is going to need support for all her or his life, you should look at some form of permanent insurance so that, when you can not protect your child yourself, you can protect the future you planned. We can get you a quote if you click the get a quote button. But for special needs, call us and let's work on special advice. 1-800-548-2329.