family huggingPeople begin to consider purchasing life insurance at various ages because one’s need for it depends on one’s circumstances. There are quite a few decisions to be made once this notion pops into your mind. Consider the following before rushing into buying a policy:
  • Dependents: Many people start to seriously think about life insurance once they have dependents, which can be a spouse, children, elderly parents or disabled family members. The most common reason is that policyholders want to leave behind a financial cushion to ensure their family’s wellbeing.
  • Debts: Life insurance benefits can be used to pay off outstanding debts such as a mortgage, car loan, student loan or credit card debt. Leaving your family with the means to erase debt brings many people peace of mind.
  • Amount: Some people choose small policies for the sole purpose of paying for funeral expenses, while others purchase much larger policies to provide dependents with a form of wage replacement for years to follow. The size the policy you purchase depends on the needs of your family, as well as your budget.
  • Type: Term life insurance is the most popular, cost-effective type of policy, which lasts for the term of your choice (often 10, 20 or 30 years). Whole life insurance lasts for the duration of your life and can come with more comprehensive benefits, such as living benefits that you can use to finance large expenses (medical bills, a new house, etc.).

With so many factors contributing to your decisions about life insurance, it’s best to get help from a trusted resource. Your local agent can walk you through the process and educate you about the many facets of life insurance, including purchasing, maintaining and filing claims. Call today to learn more about protecting your family’s financial future.

Peace of mind comes from planning ahead. Call Integrity Network Insurance Group at (512) 989-6006 for more information on Round Rock life insurance.
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1315 Grand Avenue Parkway
Suite 101
Pflugerville, TX 78660

Phone: (512) 989-6006
Fax: (512) 852-4403

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