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3 reasons why you should buy life insurance before or after you have children.

November 25, 2016

 

 

 

Think you don't need life insurance if you don't have kids? You may want to think again.

It may seem like an unnecessary expense. But there are many benefits to having life insurance, even if you’re not supporting a family.

Here are 3 reasons why you should buy life insurance.

 

1. Mortgage Protection

Your home is your largest asset which becomes your spouse or partners financial responsibility if you pass away unexpectedly. Purchase a term life insurance policy for at least the amount and term of your mortgage.Then, if you pass away during the "term" when the policy’s in force, your loved ones receive the face value of the policy.
They can use the proceeds to pay off the mortgage.

 

Actually, the proceeds from your policy can be used for any purpose your beneficiaries choose.

If your mortgage has a low interest rate, they may want to pay off high-interest credit card debt and keep the lower-interest mortgage. Or they may want to pay for home maintenance and upkeep. Whatever they decide to do, that money will come in handy.

 

2. Replace lost income

You and your significant other may have planned for a future based on two incomes. But what if one of you passes away unexpectedly? Term life insurance can be used to replace the lost income so the survivor can maintain the same standard of living.

 

3. Funeral expenses

Funeral expenses, burial costs and medical bills add up. The last thing you want is for your loved ones to shoulder this extra burden. Level Term life insurance provides the right funds to ensure these costs are easily funded.

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