Life Insurance

You always want the best for your loved ones. Funeral and burial expenses can be prohibitively expensive, and you will also want to leave your family members with something that can help soften the blow after their loss. The same is true for each member of your family: It’s not pleasant to think about the untimely loss of a loved one, but having adequate life insurance for your family members can give you the peace of mind knowing that should the unthinkable happen, you will be able to handle what comes next.

As a Farmers Insurance Agent, we care about the well-being and security of you and your family. Our life insurance options can be customized to fit the unique needs of your family.

It helps to understand the benefits that life insurance can provide for your family members. These may include the following:

• Remain current on the home mortgage and living expenses
• Pay debts, taxes on the estate and funeral expenses
• Secure a college education fund for your children
• Ensure that your spouse and children are taken care of after your death

Difference Between Term and Whole Life Insurance

When considering life insurance, you have a few options to choose from. You might choose term life insurance, which is easy to understand and manage. With term insurance, your family has coverage during the term that the premium is paid – sometimes month by month or annually. Term insurance can help cover a loss of income, debts, short-term expenses and life insurance for your children.

Whole life insurance offers a comprehensive range of protection that may allow you to accrue a sizeable, tax-free inheritance to your loved ones. You may also be able to access a portion of the cash value during your lifetime.

Contact Shadle Insurance to discuss your life insurance planning needs. We will be happy to give you a free quote.