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Life Insurance

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What is life insurance?

Life insurance is a way for you to make sure that your family is taken care of financially should anything happen to you. It is an insurance contract that will pay a determined lump sum of money to your partner and/or dependents should you pass away during the stated term. In exchange for this lump sum, you will pay a monthly premium, the cost of which is determined by a number of factors such as health, age and lifestyle.

It helps to provide peace of mind that any financial commitments in place, such as mortgage, rent, bills, debts, childcare costs and funeral costs, will be taken care of after you’re gone.

What kinds of life insurance are there?

Although there are dozens of different policies out there, there are two main kinds of life insurance. These are:

Level term insurance - This kind of policy covers you for a specific period of time and offers a fixed sum of money if you pass away in that specified period

Decreasing term insurance - This type of cover is usually, but not always, bought to clear a specified level of debt that would decrease over time on its own. The most typical example is a mortgage

When should I get life insurance?

Many people believe that life insurance is something that you should worry about when you’re older. But the truth is that it’s a part of life that every adult should think about regardless of age. In fact, if you have young dependents, a partner, a loan or mortgage, getting a life insurance policy should be on your mind.

While it is most common for life insurance policies to be taken out after a major life event, such as purchasing a house or having a baby, your monthly premiums are likely to be cheaper when you are younger.

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Life insurance can be a tricky subject to navigate, especially if you’ve never dealt with it before, but you don’t have to do it alone. Get in touch with our team today to learn more about the different types of policies available, and receive expert guidance on choosing the right one for you.

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