Why Buy Life Insurance?Life insurance may seem like an unnecessary expense but there are many reasons to buy life insurance now.  Term life insurance may save your spouse from losing your home if something were to happen to you by paying off any outstanding mortgage balance.  In some instances, you can even select a plan that offers decreasing term insurance.  This means that the death benefit decreases along with your mortgage balance.

Income replacement is yet another reason why many people choose to buy life insurance.  When you and your spouse decided to get married, your future plans were built upon having two incomes.  If one of you were to pass away unexpectedly, life insurance can be used to replace the lost income so the remaining spouse can maintain their same standard of living.

Life insurance can also be used to help plan for final expenses.  Funeral expenses, burial costs and medical bills can all add up to a very large amount for a surviving spouse to be responsible for, but with a permanent life insurance plan, you can pick which death benefits will meet your needs and lessen the burden for the surviving spouse.  Call your agent today to get help deciding which life insurance policy will best fit your needs.