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| Life
& Health Insurance |
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Life
insurance helps to ensure that your family and
loved ones are protected against financial difficulties
in the event of a premature death. Combined with
investment, retirement and estate planning, life
insurance is a fundamental part of a sound financial
plan. With the help of an insurance professional
you can develop a complete plan that will protect
your and your family. |
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Before
purchasing a life insurance policy, you should
consider your financial situation and the standard
of living you want to maintain for your dependents
or survivors. For example, who will be responsible
for your funeral costs and final medical bills?
Would your family have to relocate? Will there
be adequate funds for future or ongoing expenses
such as daycare, mortgage payments, or collage? |
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You
should reevaluate your life insurance policies
annually or whenever you experience a major life
event such as marriage, divorce, the birth or
adoption of a child, or purchase of a major item
such as a house or business. If you or a family
member has ever been sick or injured, you know
how important it is to have health coverage. |
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It's
a fact of life - you need health insurance - and
the time to get it is before you have an accident,
suffer a serious illness, or discover you're pregnant.
Insurance doesn't cover health care for medical
problems or conditions that start before the moment
you have your policy. Finding adequate coverage
might seem overwhelming, but knowing the basics
can help make your search less stressful. |
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