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What is Family Life Insurance?   Life insurance for the whole family can come in many different forms. It can include term life insurance coverage, whole life insurance,  universal life insurance or a combination of term life and permanent policies. In essence, family life insurance coverage can easily be tailored to your family’s unique needs.   But before you invest in family life insurance, it helps to know how these policies work and why you should make sure every member of your family has proper protection. This guide aims to explain the core components of family life insurance, how these policies normally take shape and why you should secure life insurance sooner rather than later.   Family life insurance explained   Family life insurance is a term used to describe a life insurance policy that includes coverage for every member of your family. While the details of these policies vary, family life ...

(1) Provide for Loved Ones…   It’s the basic need everyone thinks about. You have a young family. You are the major breadwinner. Something happens to you. How is Your family supposed to make ends meet? It’s a form of protection. Peace of mind.   (2) Key Man Insurance…   You and your partner own a business. It’s grown. Many employees Depend on you. If something happens to your partner, it’s likely their Spouse or family will inherit their share of the business. Cash would Be a lot more useful to them. Life insurance on both partners can Provide the cash to buy out heirs and keep the business intact.   (3) Emergency Loans…   Hopefully your client lives a long life. The whole life policy accumulates Cash value, eventually growing to the full face value, or beyond. Many Policies allow you to borrow money against the cash value. You would pay interest.   (4) Funding Estate Taxes…   Your client owns a farm. It’s ...

  One of the most important expenditures the average family Makes in its lifetime is the purchase of life insurance.   What’s Its Purpose?   First, you must understand the purpose of life insurance. It is to protect against premature death. Life insurance does not “insure life” so much as it “protects Your dependents” from the loss of financial support.   What Are You Paying For?   Second, you must understand what you are paying to protect. Most people earn from $400,000 to $800,000 during their lifetime. It is the loss of that earning potential that makes life insurance a Necessity. Life Insurance is a substitute for the cash and other Wealth that your family would accumulate if the breadwinner Were living.   What Should You Buy?   Third, you must understand what kind you should buy.   In the early years you need a lot of coverage … 1. Children young. 2. High debt 3. House mortgage. 4. Loss ...

Life insurance is something most people have at least heard of, but not everyone understands who should get it and what it’s actually for. Contrary to what you might expect, life insurance isn’t just for the elderly. Instead, it’s a guarantee for your loved ones that they’ll have the financial resources they need in the event of your death. While the specifics can vary from plan to plan, you’re paying to ensure the well-being of the people you leave behind, whether that happens today or decades from now.   From Mutual of Omaha to Plum Life to The Capitol Life Insurance, there are many life insurance providers to choose from, each with their own range of plans and options to choose from. Between the range of choices and the prospect of dealing with your own mortality, making sense of life insurance can seem like a daunting task. However, it doesn’t have to be. With a bit of basic information, you’ll be prepared to decide for yourself if life insurance...

  Friend…   Life Insurance is not about you... It's about them... The ones you leave behind... It's about love...   You love your family and don't Want your passing to place a Financial hardship on them...   Life insurance isn’t for you. It’s for them. Protect your loved ones with Life insurance today.   Remember, a small Amount of coverage Is better than NO Coverage at all.   Contact me if I could Be a blessing to you.   I Still Make House Calls! Hayden Childs Alabama Licensed Agent (205) 269-1382 shcmail34@yahoo.com www.haydenchilds.net   “The grief is bad enough, Don’t leave the burden To your family!”    

Three Ways to Start a Conversation about Life Insurance with Your Family… Bringing up life insurance with your family and loved ones is not fun or easy. It makes us confront our “favorite” topics… death, finances, taxes, estate planning, debts, health care. But getting life insurance is an expression of love that goes beyond words. It shows your loved ones…with certainty… that you care about protecting their future. Whether you need to have a life insurance discussion with a spouse, parent or other important loved one, starting the conversation can be the hardest part. To help you take the plunge, here are three ways to start a conversation about life insurance with your family.   Starter #1: Begin by Asking Questions…and Listening The first way to start a productive conversation about life insurance with your family members is to be direct and thoughtful. Asking purposeful questions and then listening intently to your loved ones’ answers can be a ...