TO COVER FINAL EXPENSES. The price of a funeral and burial can easily reach into the tens of thousands of dollars. Don’t let your family suffer financially taking care of your final wishes.

TO COVER CHILDREN'S EXPENSES. All parents want to be sure their kids are well taken care of and can afford to further their education. Consequently, additional life insurance coverage is vital if children are still at home.

TO REPLACE SPOUSE'S INCOME. If your husband's or wife's income were an essential part of your family's lifestyle, replacing it would be essential especially while your children are still at home.  

TO PAY OFF DEBTS. In addition to providing income to cover living expenses, your family would need insurance to satisfy debts like the mortgage so they would not have to sell the house to stay above water.

TO BUY A BUSINESS PARTNER'S SHARES. If you are in a business partnership, you need life insurance on your partner to ensure if he or she passes you will have enough money to buy their interest from his or her heirs and to pay their share of the company’s debts.

TO PAY OFF ESTATE TAXES. Estate taxes can be high.  Utilizing insurance to pay taxes is essential to avoid threatening assets meant for retirement.