Individual Life Insurance
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With a rich history dating back to 1836, Legal & General has established itself as a trusted provider in the industry. Their life insurance policies are designed to provide financial security and peace of mind to individuals and families. Get an instant quote online with Legal & General, and purchase coverage today.
What is life insurance?
Life insurance is a financial contract designed to provide a safety net and financial protection to individuals and their loved ones in the event of the policyholder’s death. This coverage helps alleviate the financial burden that may arise from funeral expenses, outstanding debts, or the loss of the primary income earner. Life insurance comes in various forms, including term life insurance, which provides coverage for a specified period, and permanent life insurance, which offers lifelong protection and may include a cash value component that can grow over time. It’s a crucial tool in estate planning and ensuring the financial security of dependents.
Life Insurance Starting As Low as $10 Per Month
Life insurance offers several significant benefits for individuals and their loved ones. Firstly, life insurance provides financial security and peace of mind. Knowing that their loved ones will be taken care of financially can provide a sense of comfort and security for policyholders.
Secondly, life insurance can serve as an inheritance tool. It allows policyholders to leave a legacy for their loved ones or favorite charities. The death benefit can be used to provide financial support for future generations, fund educational expenses, or even start a business. This aspect of life insurance can be a meaningful way to leave a lasting impact on the lives of others, ensuring that the policyholder’s intentions and financial goals are carried out even after they are no longer present.
Lastly, life insurance can be used as a tool for estate planning. It can help cover estate taxes and other expenses that may arise upon the policyholder’s death, ensuring that their assets are protected and preserved for their intended beneficiaries. By strategically incorporating life insurance into an estate plan, individuals can minimize the financial burden on their loved ones and ensure a smooth transfer of wealth.
Have these items together? Call now for a quote.
- Your Info: Name, birthdate, address, contact details
- Health Details: General health status & any pre-existing medical conditions
- Lifestyle Habits: Smoking or tobacco use
- Beneficiary Information: Name and relationship of the beneficiary
- Financial Details: Annual income, debts and financial obligations
- Medical History: Family medical history & previous surgeries or major illnesses
- Occupation and Hobbies: Occupation & Hobbies or activities that might impact coverage
- Existing Policies: Current life insurance policies (if any)
At What Age Should You Get Life insurance?
If you’re in your 20s or 30s and have dependents, such as a spouse or child, life insurance is certainly something to consider. Your dependents rely on your income to maintain their lifestyle. If you were to die prematurely or otherwise, a solid life insurance policy would help replace your income and ensure that your family is taken care of financially.
If you’re in your 40s or 50s and have children who are nearing college age, it’s a good idea to consider life insurance. Whole and universal life insurance can even be used to help pay for college expenses. It can also be used to help pay off any outstanding debts, such as a mortgage or credit card debt.
If you’re in your 60s or older, life insurance can be used to help cover end-of-life expenses, such as funeral and burial costs. It can also be used to leave behind a financial legacy for your heirs.
Best Life Insurance for You
Overall, life insurance provides valuable financial protection, inheritance opportunities, and estate planning benefits. It offers peace of mind, financial security, and the ability to leave a lasting legacy. Life insurance is an important consideration for individuals who want to protect their loved ones’ future and ensure that their financial goals are fulfilled, even after they are gone.
Are you ready to set up a life insurance policy? Get started with The Kind Insurance. We’re an independent insurance broker. That means we scour a network of the nation’s favorite insurers to find the best policy for you.
Get a quote for life insurance today with The Kind Insurance.
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FAQs
With term life insurance, you pay regular premiums for a set period and the policy only pays out if you die during this period.
With whole life insurance, there’s no set period. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
Contact us and we’ll walk you through the options and help you to determine if term life insurance, whole life insurance, or universal life insurance are right for you.
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