* To protect and support your beneficiaries' home and livelihood.
* To replace your income and minimize the debt load for your heirs.
* To provide beneficiaries with income tax free proceeds.
* To provide heirs with benefits to pay the tax on your estate.
* To help protect the value of your estate.
Life insurance helps protect the financial security of your family in the event of your untimely death. This is especially important when you are the primary wage earner. The owner of the policy pays the insurer premiums in exchange for a promise to pay the beneficiaries a death benefit upon the death of the insured.
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