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Life insurance is a heavy topic to discuss and one we usually overlook. But when you die, it can ease the grief placed on your family. Learn about the different life insurance products and get multiple quotes before you make a decision.
What is Life Insurance?
Life insurance will lift the financial burden on the people left behind in the event of death. It's an important safety net if anyone depends on you financially. Should anything happen to you, a lump sum is paid to a beneficiary - usually a spouse or child - to clear debts or provide money to live off.
Why You Should Get Life Insurance:
Everyone wants to see their children grow up, be present at those big events in their future lives - graduation, first job, marriage, grandchildren. The idea of missing out is unbearable for any parent.
However, imagine not having provided for them in the unlikely event of your death. A life insurance policy will provide your family with money to survive.
Your aim should be based on getting to getting an affordable life insurance policy that provides enough money and benefits to cover the lack of your income.
If you don't have a spouse or dependents, you should get a policy that will cover any outstanding debts you may have, this will also include a mortgage. The peace of mind knowing that no-one will be left in financial difficulties if you are not around cannot be underestimated.
Take that first step in planning and get life insurance quotes: the first step towards financial security, knowing that lost income will be replaced, expenses will be covered and debts will be cleared.
Types of Life Insurance
Here are some of the different life insurance products that each meet different needs.
Term Life Insurance:
• Lasts for a specific period of time that you choose
• Beneficiaries paid out if you die during the specified time period
• Lower premiums . May cover income and other expenses
• Best for healthy, young adults - May eligible for No-Med Exam policy
• Answer a number of health, financial, and hobby questions instead of a medial exam
Permanent Life Insurance:
• Gives lifelong protection
• Can replace income
• Can be borrowed against to pay for big life expenses like college
• Accrues value over time - Higher premiums
Universal Life Insurance:
• Gives lifelong protection
• Allows for flexible premiums in the case of financial difficulties
• Accrues value over time
• Flexibility varies based on policy
•Pays the costs of burial or cremation
• Lifts the burden of funeral expenses on family members
• Pays for other funeral related expenses such as headstone installation
How can I get the best life insurance quote?
Look no further than WellFit Financial. Our user-friendly website will help you negotiate what can sometimes be an overwhelming onslaught of information. When you are planning on making the decision to take out life insurance you will want to know that your doubts and queries are being dealt with professionally and by experts who know how to get the best life insurance quotes online with the most affordable life insurance rates for your personal circumstances. At WellFit, you are always safe in expert hands.
We are online specialists in insurance and have helped millions of customers find the perfect policy. We offer personalized policies and services that and will leave no stone unturned until we find an affordable life insurance quote which fits your personal circumstances.
Let our experts take you through the easiest way to get your life insurance quote. You will be asked about general health, including height, weight, blood pressure issues, and what your cholesterol readings are. Other information you should know include outstanding debt or claims you have, like a mortgage and other big loans. Your income, type of work you do, and risky hobbies will also be asked about. Once you answer these questions, affordable life insurance quotes will be sent to you shortly.
Why Choose WellFit Financial For Your Quotes:
We are leaders in the world of life insurance quotes online and we give guaranteed professional and personal services when helping you put together the best life insurance plan for you. Our easy to follow, online questionnaire is simple and fast - and you will have an affordable life insurance quote in record time.
We have a team of experts, who have many years of experience in dealing with insurance policies and will leave no stone unturned until you are satisfied with the policy they recommend for you.
Don't spend another minute worrying about what will happen if anything were to happen to you. Take the worry away by asking for expert help. The minute you receive the quote, you will feel your shoulders drop with relief.
Get an online life insurance quote from multiple insurance agencies and gain financial protection for your family's future.