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Sep 30, 2014

This September marks the 11th anniversary of Life Insurance Awareness Month, or LIAM. If you do not already have a life insurance policy in place, this month is the perfect time to look into investing in a new policy to ensure that your loved ones are well taken care of after you are gone. Keep these tips in mind to make sure that you invest in the right life insurance policy to best fit your needs.
  1. Know the different types that are available. There are many different types of life insurance policies that are available, each with their own benefits. Most policies can be put into two different categories. The first is term policies, which provide coverage for a specified number of years. The second is permanent policies, which provide protection for your entire life.
  2. Know what you need. The size of your policy is dependent on your personal needs. If you are just looking for a policy to cover the cost of your funeral after you die, you will need a much smaller policy than if you want to use the payout to pay off your mortgage.
  3. Compare different policies. Working with an independent insurance agent will allow you to compare different policies from different insurance providers to make sure that you invest in the right policy to fit into your lifestyle and budget.
  4. Invest in the policy. The sooner you sign the paperwork for your life insurance policy, the sooner you can have the peace of mind knowing that your loved ones are financially protected after you are gone.
For all of your life insurance needs throughout California to make sure you have the most comprehensive coverage available, contact Gateway Professional Insurance Services in Vacaville, California.  As an independent insurance company, we can help you find the best life insurance policy for your specific needs.

Two Article Comments

Elsa Anderson

After I had my first child, I realized that life insurance was important if I wanted to make sure they were taken care of should something happen to me or my husband. I like how you give the advice to know what you need since the size of your policy is dependent on your personal needs. I will probably need to talk to a life insurance company to see what type of policy I need so my daughter is taken care of no matter what happens. Thanks for sharing these tips!

Cindy Tesler

I agree that you should understand the different types of life insurance that are available. You also said that first-term policies provide coverage for a specified number of years. I think it’s a good idea to choose an insurance agent that you have another policy through so that you can bundle them and get a discount.

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