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Life Insurance

Life Insurance Options for You

I’m Your Guy For Life provides a variety of life insurance options to those in all 50 states. If you have recently gotten married, had a child, or bought a new home, it might be the perfect time to start looking into your life insurance options. Having a reliable life insurance policy allows you to continue to care for your family, even after you are gone. Life insurance protects your family members, their financial security, and all your critical assets. When it comes to enrolling in a life insurance policy, it is vital that you know what your options are. Our team will walk you through these options and help you determine which policy is going to be the most beneficial for you. We work with a variety of different insurance companies so that you have the ability to get the most out of your new insurance policy.

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Why Do I Need Life Insurance?

Life insurance offers a wide range of benefits. A life insurance policy can replace income, cover end-of-life costs, cover estate taxes, protect your business, and more. Whether you decide on a term or whole life insurance policy, you will have peace of mind knowing that everything will be taken care of in the event that you pass away. Life insurance allows you to leave money behind when you pass away. It is essential to consider what the financial impact on your loved ones would be if you did pass away. Considering these things is vital to ensuring that your children, your spouse, and your other family members are not left holding the bag of financial burden when you are gone.

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Term vs. Whole Life Insurance

The two different types of life insurance that we can provide for you are term and whole life insurance. The main difference between the two is that term life insurance only provides coverage for a set period of time, and whole life insurance will last for your entire life. A term policy allows you to choose a coverage timeframe of 5 to 30 years. With a term policy, you will have a set premium rate and death benefit. The death benefit will only be paid out to your beneficiaries if you die within the set timeframe. Otherwise, there will be no death benefit payout. Whole life insurance provides coverage for your entire life. It also features a cash value component that will accumulate over time on a tax-deferred basis. You can use this cash value component while you are still alive, but if the value is not paid back to the policy before you pass away, the amount will be taken from the death benefit.

Choose the Right Insurance Policy

I'm Your Guy For Life works with a variety of different insurance companies in order to provide you with the best life insurance policy possible. We know that everyone’s needs are different, which is why we take the time to listen to your desires before we discuss your life insurance options. Knowing what you need and how you want your policy to function will allow us to walk you through the most beneficial policies. When you choose to work with us, you will gain peace of mind because you will know that your loved ones and your assets are all taken care of. Enrolling in a life insurance policy is one of the best things you can do for the ones you care about. Reach out to us today to protect your family the right way.

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