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No one likes to think about death or disability. And for many, the conversation around life insurance is a slightly uncomfortable one. But think of the benefits for your loved ones, and that discomfort quickly disappears.
Benefits
A source of cash for final expenses and estate settlement costs, including estate and inheritance taxes
We all want to be free of outstanding financial obligations at death to avoid passing financial burdens on to our families. The proceeds from a life insurance policy can be used to help pay funeral costs and last expenses. They can also help pay estate and inheritance taxes on the legacy you may hope to leave behind.
You may still be working! Life insurance can help replace lost income.
Many people at retirement age will continue to work full or part time and will need to replace their income in the event of their death. Life insurance can help ensure that income is there for those who depend on it
Life insurance can be used to replace all or a part of your spouse’s pension benefits.
If your spouse dies, you may no longer be eligible to receive his or her Social Security or full retirement benefits. The death benefit from a life insurance policy can help replace these lost benefits.