Rylee Christianson-Life Insurance Agent

Life and disability insurance through your employer are a great place to start and often very affordable, but it’s important to make sure you carry personal coverage and that you carry the correct amount! Schedule an appointment today to discuss all your options!

Five reasons to purchase life insurance:

1: Cover any debts you currently have.
2: Income replacement for your family.
3: Cover your final expenses.
4: Building cash value for retirement-some policies have extra benefits tied in!
5: Leaving a legacy for your children and grandchildren!

Should you buy life insurance for your child? Yes! Juvenile policies can guarantee insurability for your child throughout their lifetime and can accumulate cash value for them to use in the future!

Term life insurance is the most affordable option that offers higher death benefit for competitive rates. Term policies are set for a specific number of years with a level premium and provide conversion options that can guarantee insurability throughout your lifetime.

Three Tips for Purchasing Life Insurance:

#1- Determine your need: calculate what you would need for income replacement and for covering any debts you currently have.

#2- Research your options: do you want it to be something for a set amount of years or something more permanent? You can choose different types of policies based off your needs and even ones that have living benefits and cash value options!

#3- Buy within your means: find a policy that fits your needs, but doesn’t stress your budget. Life insurance is valuable, but make sure you find a plan that is suitable for your families financial situation!