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Life Insurance Awareness Month

Term life insurance. The unpredictability we’ve faced throughout the pandemic has emphasized the importance of long-term planning for many, especially when it comes to their loved ones.

As a refresher, a term life plan guarantees the payment of death benefits to your family should you pass away during the specified term of the plan. In case you’re unsure if this policy is right for you, here are a few of the most notable benefits:

  • It provides financial security for your family. In addition to covering the basic needs of the household, the payout from the policy can provide peace of mind that your wishes for your family--be it education, weddings, homeownership, or otherwise--will be funded.

  • Term life insurance can help pay off your debts. The reality is that most people have loans of some sort, and you can prevent yours from becoming the responsibility of your loved ones by allowing your life insurance payout to cover them.

  • You can secure extensive coverage at a low cost. Because term life policies don’t involve complexities such as maturity benefits, they are extremely affordable and offer far-reaching coverage.

  • You have the option of adding on additional benefits known as “riders.” For a slightly higher premium cost, you can expand your coverage even further and maximize your benefits.

Even if you already have some life insurance in place, significant life changes can directly affect the amount you’re paying for life insurance. That said, if you or anyone in your household has experienced a “major” life event recently, it’s a good idea to let us know.

While not an exhaustive list, here are a few situations that would warrant a review of your life insurance policy:

  • You’d like to review or change your beneficiaries

  • You married or divorced

  • You welcomed a child into your family

  • Your children have moved out and are on their own

  • You started a new job or a business

  • You’ve taken on debt (like a home equity loan)

  • You received a medical diagnosis that may require costly treatments

  • You purchased a home

It may not always be clear when a change in circumstances could result in changing premiums, so we encourage you to err on the side of caution and let us know.

A term life insurance policy is an easy and effective way to ensure financial stability for your family members--and peace of mind for you. Just give us a quick call and we can get the quoting process started, or if we need to increase your coverage we can handle that too!

Contact us @ 417-258-2541 or

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