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Whether you're married with kids or have a partner or other relatives who depend on you financially, having life insurance can be crucial. According to a Forbes Advisor life insurance survey at least three (3) in four (4) adults indicated they own some type of life insurance; however, women (22%) are twice as likely as men (11%) to not have any life insurance.

Life insurance provides money, or what's known as a death benefit, to your chosen beneficiary after you die. Buying life insurance can help reduce stress by providing your loved ones with money when needed.

Understanding the benefits of life insurance can help you plan for your family's long-term financial needs. Here are nine reasons why life insurance is important.

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TERM LIFE INSURANCE.

Provides affordable protection, often covering 10-30 years, that provides both long-term clarity and security.

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MORTGAGE PROTECTION.

Ensures that your mortgage payments are always met on time, even in the face of unexpected tragedy.

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DISABILITY INSURANCE.

Protects your income in the event of disability. If you or your spouse were injured, and unable to work, what would be your game plan?

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SMARTSTART PROGRAM

Creates a foundation of long-term financial security that can create your family's legacy and fund your children's education.

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Final Expense

Provides your family peace of mind knowing that funeral or memorial, cremation and burial service expenses will be covered

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Whole Life & Universal Life

Provides a depth of coverage that is both flexible and permanent. Tax-deferred benefits, living benefits and protection against the unexpected are all included.