Term Life Insurance
Livonia, Farmington Hills, Michigan
Life insurance benefits can be used to cover daily living expenses for family members left after death of the insured person...things like mortgage payments, outstanding loans, college tuition and other essential expenses. And, importantly, the death benefit proceeds of a life insurance policy are almost never subject to federal income taxes.
Term life insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term" such as annual, 10-year, 20-year, 30-year, etc.) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Term life insurance is a low-cost way to purchase the necessary protection for your heirs.
Be sure to ask us about other important parts of your insurance program, including Personal Auto; Home Insurance; Umbrella Liability; Life or insurance for your Business.
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