A lot of people may be hesitant to purchase a life insurance policy. They may think it’s too expensive. The truth is that a life insurance policy is much cheaper if you buy it when you’re young and healthy because insurance companies consider healthy people far less at risk of dying than someone much older who may also be in poor health.

If You’re Getting Married

Once you get married, you not only have yourself to take care of, but you have someone who, not only loves you, but depends on you to be their partner through life. If one of you dies unexpectedly, a life insurance policy can help with any financial woes or struggles that may occur.

If You’re Planning to or Already Have Children

We all know that having babies costs money. Everything from feeding them to buying diapers for them, to paying for child care, those expenses certainly add up. A life insurance policy can help ease your stress level when it comes to providing for your kids.

To Cover Lost Income

If you die and you left loved ones behind who solely relied on your income, an adequate life insurance policy will help them cover those monthly mortgage and car payments.


It’s a sad reality, but a reality nonetheless. Funerals cost money. No one likes to think about having to say their final goodbyes to a loved one. A life insurance policy can help ease the burden of having to pay for a funeral.  Although you may be gone, your loved ones can take comfort in knowing they did everything they could in saying their final goodbyes.

Pay Off Debt

Unfortunately, debts don’t just disappear if you die suddenly. If you and your spouse both signed on that dotted line for a mortgage, now that you’re no longer around, your spouse may have to carry the heavy load of the repayment. Another scenario may be creditors coming after your estate. Your loved ones already have to deal with the heartbreak of losing you. Don’t add financial burdens and struggles to that mix.

College Funding

Countless Americans borrow money through student loans in order to pay for college. Did you know a solid life insurance policy can provide an excellent way to supplement your payments? Paying for higher education is definitely a costly endeavor. And life insurance can certainly help! Talk to one of our experienced agents about how a life insurance policy can benefit you!

If You Own A Business or Are a Co-Owner of a Business

If you are a business owner, you’ll want to make sure that your family as well as your employees are protected in the event of your untimely death. Running a business isn’t cheap and requires a lot of different expenses. From office supplies to payroll, a life insurance policy can help those you leave behind.

Estate Taxes

If you’re concerned about your children’s inheritance, a life insurance policy can help protect them from inevitable inheritance taxes they are going to be hit with. A life insurance policy can help cover those costs.

Life Insurance Is More Affordable Than You Might Think

On average, you’ll pay more for your daily cup of coffee than you pay for your life insurance. Still, it’s important to keep in mind that these types of policies tend to become more expensive the longer you wait to purchase one.

Peace of Mind

Although none of us can know what’s going to happen in the future, a life insurance policy can help put your mind at ease, knowing that no matter what happens, your loved ones will be protected.

Call our office at 301-948-2010 to speak with one of our experienced life insurance professionals. They can help you find the coverage that best fits your needs.