WHAT IS LIFE INSURANCE?

 Life insurance helps to ensure that your family and loved ones are protected against financial difficulties in the event of a premature death.  More specifically, it provides cash to your family after your death which can help replace the income you would have proveded and help with a variety of financial needs.  Choosing a life insurance product is an important decision, but it can also be complicated, and it is important to understand both your family's needs and the available options. 

SHOULD I HAVE LIFE INSURANCE?

Most people with dependents need life insurance.  To determine how much, if any, life insurance you need, start by gathering all your personal information and estimating what your family will need after you're gone.  Make sure to include both ongoing expenses (child care, tuition, household expenses, etc) as well as immediate expenses at the time of death (medical bills, burial costs, estate taxes, etc.).