Park Hills Life Insurance Coverage

Life Insurance

Life Insurance

If the worst was to happen and you were to die prematurely, would your loved ones be covered financially? Life insurance coverage can be there to pay your bills if you can't be there, allowing your loved ones to get back on their feet financially after your death without feeling the strain of unpaid bills and expenses.

People buy life insurance for many different reasons. Some people want to make sure their loved ones won't need to worry about paying final expenses like funeral costs, or income or estate taxes, out of pocket. Others want to make sure debts like mortgages and auto loans will be paid off at their deaths. Still others want to provide funds to make up for the income that wouldn't be there after their deaths, or to provide funds to pay for children's college expenses if they are no longer there to pay for those costs. People in second marriages sometimes purchase life insurance as a way to provide a tax free inheritance for their children from previous marriages. Life insurance may also be used as part of an estate plan to provide a charitable legacy.

Life insurance can be designed as "term" insurance, to cover a specific period of time, or as "permanent" insurance, designed to provide benefits as long as the cost of the underlying insurance coverage have been paid. If you have existing life insurance coverage provided through your employer, an insurance professional can help you identify if coverage levels and types are still adequate.

Whatever your reasons for considering life insurance are, contact Bates Insurance today to review your needs and your existing coverage types and amounts. We can help ensure your loved ones will have the financial protection they need if you can't be there to provide it for them. And remember that life insurance needs change over time, so it is important to review coverages periodically, and to adjust as necessary.

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