As you go through each stage of life, your relationship with money, income and savings will change. When you start a family, for example, your priority shifts to financially protecting those you love. Whereas when you’re nearing retirement, your focus may shift to leaving a legacy.
Life insurance is part of the foundation of a sound financial plan. It can help you protect your assets and the people who rely on you financially. The chart below shows how life insurance fits into a plan and provides a way to think about broader financial priorities as you work towards achieving your goals.
No one really wants to think about dying. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance proceeds can:
- Pay for funeral costs
- Help pay the bills and meet ongoing living expenses
- Pay off outstanding debt, including credit cards and the mortgage
- Continue a family business
- Finance future needs like your children’s education
- Protect a spouse’s retirement plans
Getting life insurance doesn’t have to be hard (or boring). At First Underwriters, we walk through 360 Roadmap to see if Life Insurance is right for you We have some easy steps for you to walk through to see if life insurance is right for you. You’ll also find information and interactive tools to help you get a sense of how much and what kind to buy, plus information about how different life events—such as having children or buying a home—can affect your insurance needs. So why not get started!
There are many types of life insurance, however, their are only two foundations to the life insurance product. term life insurance and permanent life insurance. Term insurance offers coverage for a specific period of time and pays the death benefit of the policy if the person insured dies during that “term.” Permanent life insurance provides protection for one’s lifetime; as long as sufficient premiums are paid, the benefit will be paid no matter when the insured dies.
WHY USE fIRST UNDERWRITERS?
WE WORK WITH TOP RATED CARRIERS
There are more than 100 insurers licensed in the US, each with its own specialty. We will match them with your specific needs and requirements.
WE ADVISE AND ACT IN YOUR BEST INTEREST
We will help you identify your individual and/or business risks to help you decide what to insure, and how to manage those risks in other ways.
WE PLACE YOUR CUSTOMIZED POLICY
We will arrange the right insurer, negotiate the terms and place the policy on your behalf, all while making the most of your insurance budget.
Ready to Apply?
You may submit an application online using this QUOTE REQUEST From to the right, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.
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