10 Reasons to Purchase Life Insurance

1. Mortgage Protection

A policy that covers you for the amount you owe on your mortgage.

2. Income Replacement

A policy that replaces your income for the number of years left until retirement.

3. Build Cash Value

A policy that can potentially have cash available to you during your retirement years.

4. College Planning

A policy that can be used to pay for college for your children if you die before achieving this savings goal.

5. Pay Off Debt

A policy that covers your outstanding debts.

6. Business Planning

A policy that can be used to transfer ownership of your business, which protects your family finances.

7. Estate Tax Planning

A policy that can pay a death benefit equal to your estimated estate tax.

8. Potentially Tax-Free Withdrawals

Certain types of life insurance can create tax-free withdrawals if the policy meets certain requirements.

9. Pay For Final Expenses

A policy that can cover your funeral or other final expenses, so this burden is not left to loved ones.

10. Peace of Mind

Life insurance provides peace of mind to you and your family. So if you die prematurely, the emotional distress will not be coupled with financial distress.

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Joseph Carrano, ChFC®
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