Life insurance protects you and your family. It can cover outstanding debts (like a mortgage, credit cards, medical bills, etc.) and provide a steady cash flow in the event of your untimely demise. It can pay for your funeral, a terrible burden on an already grieving family, as well as cover ‘Death Taxes’ that seek to reduce their inheritance for the benefit of petty government bureaucrats.

Your policy should cover not only the obvious annual ‘take home’ income, but the ‘hidden income’ found in your benefits as well, such as health coverage and retirement funds. When trying to decide just how much insurance you’ll need, try to think of all the costs your family will need to cover, and then add a good 20% to that total as a bit of extra protection against unforeseen disaster.

You should review your life policy at least once a year to ensure that you are providing the best coverage for your family. Other events might require you to review your policy, such as the birth of a child or grandchild, marriage, or even buying a new home. It might seem a morbid thing to think about, but a little planning now, and upkeep later, can save your loved ones a great deal of pain and ensure that you can provide for them after you’re gone. It literally pays to be prepared...

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