Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner.

The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes. An important feature of life insurance is that no income tax is payable on proceeds paid to beneficiaries.

Life insurance - even if you have no dependents now, you may later. If you buy now when you are younger and healthier, you can "lock in" lowest-cost coverage, including guaranteed insurability.

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"You Would Give Your Life for Your Children;
Why not Insure it for them."