Schmitt Group Insurance

The four benefits of having Term Life Insurance are:
1. Cost - Term policies are typically more affordable than Permanent Life policies because it only provides protection for a set amount of time.
2. Versatility - Although the death benefit of a Term Life policy can be used any way the beneficiary chooses, the funds are most commonly used for funeral and burial expenses to college loans.
3. Flexibility - Term Life policies enable you to choose how long you want your policy to last. As financial needs disappear, so might your need for a Term Life policy.
4. Simplicity - As long as you pay the premium in full and on time, you're covered for the duration of the policy, You simply decide the coverage amount and the length of the term.
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Why do children need life insurance? There are many possible answers to that question, but here are a few.
First, your children will always have life insurance regardless of future health.
Second, you get peace of mind. A life insurance policy valued at $10,000-$15,000 would more than cover funeral costs should the unthinkable happen.
Third, the policy can build cash value. By the time your children turn 18 they could have a nice nest egg they could use to buy a car, or borrow off of the policy to help pay for college.
And fourth, the premium rate is locked in for the life of the policy.
If you would like to see what a children's whole life insurance policy would cost, message us for a quote today.
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