Your Life Insurance Shopping List
Help Protect Your Family's Future - Be Sure to Add Life Insurance and Accidental Death Insurance to Your Family's Shopping List
The holiday season is upon us once again, so that means lots of office parties, family gatherings … and shopping malls crammed with people desperately seeking bargains on the latest must have holiday gifts. But this year, have you considered giving a present that can help protect your family's financial future for decades? If you really want to help protect your spouse, children or other loved ones in the event you are no longer able to financially support them, leave the iPhone and Tickle Me Elmo at the mall and buy a Term Life Insurance or Accidental Death Insurance policy. It's often over looked in favor of this year's trendy holiday items, but life insurance and accidental death insurance should be on everyone's holiday shopping list.
Life Insurance is Real Protection
What would happen if you suddenly died or were seriously injured and no longer able to support for your family? With Term Life Insurance, you can rest assured that your loved ones would have financial help.
Accidents Happen
No one likes to think about it, but the fact is, accidents are a leading cause of death in the United States. Each year, thousands of people are injured or killed in traffic collisions, workplace mishaps and other kinds of accidents. What if you were one of them? An Accidental Death Insurance policy can help provide financial support to you and your loved ones if you suffer an injury or death in a covered accident.
Getting Accident Only Coverage is Easier Than Ever
Buying Accidental Death Insurance does not require taking a medical exam, answering health questions or even speaking with an insurance agent.
Affordable Life Insurance Rates
You might get more coverage for less each month or pay less for the same amount of coverage you bought years ago.
Tax Free Benefits
If you die in a covered event, the financial proceeds from your Term Life Insurance or Accidental Death Insurance would be paid out to you or your beneficiaries federal income tax free, according to current tax laws. That's a pretty sweet deal.**
* Must be between ages 18 and 80 to apply. Coverage subject to verification of identity and receipt of payment as required by law but upon issue is considered effective as of time of application.
** Death Benefits are generally excludable from the beneficiary’s federal taxable income under most circumstances and under current federal income tax law. You should consult your tax advisors for your specific factual situation.