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I’m a young, healthy CPA.

Why should I consider term life insurance ?

 

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“What would your family do in the event of the unexpected? If you were no longer there to earn a paycheck?”

 

Life insurance is a cost-effective way to help protect your family and finances should something like this happen. It can help ensure short- and long-term financial obligations are met. 

If you have a spouse/partner and/or children, they likely rely on you to help keep the household running. Life insurance can give you confidence that your family would be financially prepared without you to cover expenses like:


  • Mortgage or rent payments
  • Utilities
  • Insurance premiums
  • Child care/education fees
  • Transportation
  • Credit card bills

 

Here are the answers to a few more common questions about term life insurance.

 

Q. What is term life insurance?

A. Term life insurance covers you for a fixed period of time and pays a death benefit to your beneficiary if you are no longer here.

 

Q. What is a beneficiary?

A. The person you choose to receive the life insurance proceeds should something happen to you. It’s possible to have multiple beneficiaries and you can update them regularly should your circumstances or needs change.

Q. How much life insurance do I need?

A. Everyone’s situation is different and you may need more life insurance than you have. Like so many things in life, insurance needs change over time — for example, getting married, gaining a promotion, starting a new job, expanding your family or buying a new home. Many people are surprised to learn they may not be adequately insured and are exposing loved ones to unintended lifestyle changes should an early, unexpected death occur. Reviewing your coverage can be time well spent.

 

Remember, life moves fast! Regularly review your life insurance needs and ensure your family is adequately protected.

 

If you have more questions?

Contact a trusted MICPA insurance representative at the Paul Goebel Group today!

Visit PaulGoebel.com/MICPA or call us at 800-632-4591 ext. 5602 or 5611

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Source: MICPA

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