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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.


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.

The life insurance policy death benefit can be used to pay off mortgages or other debt.

It would be nice to imagine living debt free in retirement, but the reality is that most of us will continue to carry debt, including a mortgage. Life insurance proceeds provide a safe, secure way to help your loved ones pay off debts you may have in retirement.

Responsibilities don’t retire when you do.

Today, many people heading into retirement still have people depending on them, from a spouse and children to elderly parents. Life insurance is a great way to continue to protect the people you love.

Life insurance can help create or protect a legacy.

Inherited assets, such as traditional IRAs and tax-deferred annuities that bring with them an income tax liability, may benefit from life insurance proceeds. Planning techniques such as Roth conversions and stretch IRAs can also enhance your legacy. These planning techniques usually require or benefit from the liquidity that life insurance can provide.

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