Life Insurance

Discussing our passing can be one of the most difficult feats to undertake, but is inevitable and should not be ignored. Planning ahead can relieve the financial burdens your survivors will have to endure after you are gone. Show them that you love them, even in your absence, by having some sort of life insurance in place and heed the advice of Benjamin Franklin that “if you fail to plan, you are planning to fail.” 

A life insurance policy can greatly reduce the financial strains your family could suffer with your passing. They've likely grown accustom to the lifestyle you've made possible and would be even more devastated by being unable to maintain that lifestyle. 

Payouts from a life insurance policy are left to be allocated by the beneficiaries. Funeral expenses, mortgage payments, medical bills, student loans and any other miscellaneous debts can be settled with those funds. Eliminate the stress your loved ones could suffer with a simple life insurance plan. If you're single without children a life insurance policy could be left to someone you are fond of or to a charity that you know will appropriately honor your life. 

There are various types of life insurance available and selecting the appropriate policy depends on factors specific to you. Your age, debt load, family status, employment, and extra-curricular activities should all be considered when selecting coverage. Term life insurance are typically short-term policies spanning from one to three decades and are very affordable. Whole-life insurance builds cash value over time and does not expire as long as the policy is kept current. There are also coverages aimed at covering expenses like medical bills and funeral services often referred to as final expense policies. 

If you don't have a life insurance policy in place, we encourage you to take action immediately and gift your loved ones with a life insurance plan that let's them know you were thinking about their well-being all along. It all starts with a phone call, email or other communication with the team at Western Shelter Insurance.