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Nothing scares children quite as much as the thought of losing one or both parents. And life insurance is designed to replace lost income when an adult dies. So how do you address the subject of insurance with your kids? Follow a few simple guidelines. First, ask yourself if it’s even necessary to talk about insurance with your children. The answer may simply be no, especially with younger children. However, kids are naturally curious. They

Why do most people buy life insurance? For the same basic reason: to replace income in the event of death. But the ways people use their insurance benefits vary widely. Most use it to protect their family’s finances—to cover a mortgage or college education fund or even medical expenses. But other people take out a policy and name their favorite charity as the beneficiary. It’s a great way to support your cause of choice even

Do you exercise regularly…eat right…stay healthy? There’s no reason you shouldn’t enjoy a long, productive life. Now, make another smart move to protect your future: buy term life insurance. Even though you take care of yourself, you still need life insurance. Virtually every adult does. And for parents, it is essential. That’s because term life insurance can replace all or part of your income when you die. That income replacement can cover your family’s most

Buying life insurance is one of the most important things you can do to protect your family’s future. But even insurance agents admit—it’s not the most enjoyable topic to talk about. Despite that, however, it is essential to make the time, have the talk, and take the action needed to get life insurance. Here are a few ways to make discussing it with your spouse easier. First, calculate your assets, income, and expenses. Have an

Term life insurance is smart for your family for two key reasons. First, term life insurance provides peace of mind. Knowing that your family’s needs are covered in the event you die gives them—and you—security and comfort. Second, term life insurance protects your family’s finances. You can use your policy to make sure your spouse and children have enough money to meet their needs if you die—to pay off debts, pay for medical bills…even funeral

Buy term life insurance without a medical examination. It’s fast, easy, cost-effective…and important for your family.