Permanent Life Insurance
This type of insurance provides lifelong protection – provided you pay the premiums. Read more to see if Permanent Life Insurance is for you.
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As an independent agency, Ansay & Associates can provide all of your insurance needs. From Permanent to Term Life Insurance, we are here to advise you on the best option for you and your family.
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Custom Coverage, Competitive Solutions
Life insurance isn’t the most popular topic to consider. However, if someone depends on you financially and you want to protect them, then it’s a necessity. Simply stated, life insurance greatly supports your family's financial stability. It provides cash that can be used to pay for expenses after your death.
What Life Insurance Covers
Life Insurance covers most common living expenses, including future, ongoing and immediate expenses such as:
- Food
- Housing
- Utilities
- Health care
- Funeral & burial costs
- Mortgage or rent
- Car loans
- Credit card debt
- Taxes
- Estate settlement costs
- College costs
- Retirement funds
Who Needs Life Insurance
Do you need life insurance? The answer is most likely, “Yes.” The following need to seriously consider investing in life insurance:
Married/Partnered w/ or w/o kids: Many partners run into financial difficulty without the other earner’s income. Additionally, childcare costs may prove difficult without the other partner’s paychecks.
Single parents: As the sole income, you’ll need to support your child financially when you’re gone.
Stay-at-home parents: Meals, transportation, college costs, and more will need to be accounted for.
Empty nesters: Maintaining your partner’s current lifestyle may prove difficult without life insurance.
Retirees: Depending on your holdings, heirs may be hit with an estate-tax of up to 45%.
Business owners: If you, a fellow owner, or a key employee pass away, life insurance can protect the business.
Determine Your Beneficiaries
The beneficiary is the person you name in your policy to receive funds in the event of your passing. In addition to a person, a beneficiary may also be a business, charity, or trust. It’s vital to think through who, or what, you want your proceeds to go towards.
5 Tips To Know When Buying Life Insurance
Term Life Insurance
This type of insurance makes sense for those who want to be covered for a critical period, such as while your children are in college or until the mortgage is paid off. Read more to see if Term Life insurance is the right fit for you!
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Other Insurance
Specialty insurance coverage can protect a variety of unique items, from your identity to a rental property. Click to learn how working with Ansay & Associates can make sure you are always protected.
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