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Why Life Insurance?

How much does your spouse, or your children, or even your parents or your siblings, depend on you financially?

If your answer to that question is something along the lines of "quite a bit," you’re probably a candidate for buying some form of life insurance.

After all, this type of insurance helps you secure your loved ones' futures by providing for them financially in case something should happen to you.

Term life insurance

Term life insurance policies generally offer the greatest amount of coverage for the lowest initial cost – they are the most straightforward form of coverage. If you have shorter-term needs and limited money to spend on insurance, a term life insurance policy may be the best fit for you.

Policyholders generally pay a premium on a monthly or annual basis for the length of that term. Proceeds help to cover financial responsibilities that decrease or end over time, like mortgages or car loans, should something happen to the insured. With term life policies, premiums will increase at the end of the fixed-term period.

Term life insurance policies are typically used to help provide additional life insurance coverage during child-raising years, to help pay for short-term debts, to help pay off a mortgage, or to fund a college education should the unexpected happen.

Whole life insurance

Whole life is one of the most common types of permanent life insurance. Whole life insurance combines a level premium with guaranteed cash values which the policy owner may use to meet a variety of financial goals. Whole life insurance policies may also produce excess credits, which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit. Best of all, whole life policies may offer generally income tax-free access to cash value and death benefits.

- Good for young adults just beginning an insurance program
- For families needing life insurance protection while saving for the future
- Guaranteed cash value accumulation

Universal life insurance

As your life changes — marriage, parenthood, promotions, retirement — your insurance needs may change as well. To adapt to your ever changing life, and continue to meet your insurance needs, there’s universal life insurance.

Universal life is a variation of permanent life insurance that offers a wide variety of advantages. Like most permanent life insurance policies, universal life options offer lifelong coverage, as long as all premiums are paid to keep the policy in force. However, universal life insurance also offers a considerable amount of flexibility and benefits to the policyholder, like:

- Flexible premiums and frequency of payments.
- Adjustable benefits and coverage levels.
- Potential cash value accumulation over time.

How Much Life Insurance Coverage Do You Need?

This depends on you, your family situation, and how much you want to pay for a policy. Many factors figure into the total death benefit that you would like to have. You have to consider how many people depend on you financially: whether you have one child or three can affect how large you need that benefit to be. It also depends on the state of your finances. If you were no longer around, would your kids have enough money to get them through college? Would your family be able to make mortgage payments on your house? If you simply don't know how much you need, it's always a good idea to sit down with a professional to determine the right amount of life insurance.

References

What our Clients say?

Hear directly from some of the people InsureHound has helped.

Very easy to use web portal to get quotes for various combinations and from various insurance companies. After I called, rep Gordon was very helpful and patient. He ran more scenarios, provided professional advice, and explained the next steps clearly. Overall a very smooth and efficient process. And great price too!

Julie Mendez June 15, 2016

Very competent insurance agents. Helped me save thousands of dollars on being covered. My insurance costs half of what I was paying for the same coverage. I am so grateful.

Ram Verma October 3, 2016

Company informations

At InsureHound, we aim to simplify your insurance buying process. We operate exclusively within the State of California and would love the opportunity to help you find the right insurance for you.

Contact details

E-mail address:
contact@insurehound.com

(+1) 650 690 2033

Available 9:00am - 5:00pm PT