No one likes to think about needing life insurance. But including insurance in your financial plan now can benefit you and your family in the future. You

can protect your family’s quality of life no matter what the future brings, and save your loved ones the stress of financial worries during an already stressful time. If someone depends on you financially, chances are you need life insurance.

 

Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like daily living expenses, mortgage payments and college savings. What's more, there is no federal income tax on life insurance benefits. The truth is, it's always a struggle when you lose someone you love. But your emotional struggles don't need to be compounded by financial difficulties. Life insurance helps make sure that the

people you care about will be provided for financially, even if you're not there to care for them yourself.