Who Needs to Buy Low-Cost Term Life Insurance

The Efinancial Insurance E-Learning Center is committed to educating the insurance-buying public about questions and alternatives for finding low-cost life insurance products and services.

This category of articles examines the question: Who needs to buy Life Insurance? Topics include everything from Life Insurance basics to more advanced Life insurance questions and answers such as Life Insurance with or without children, life insurance for the self-employed, free life insurance quotes and life insurance after retirement.

1. After Your Mortgage is Paid, Do You Need Life Insurance?

There are times when people will come to think that they no longer need life insurance. Most often this occurs when a milestone has been reached like the paying off of the mortgage or cars and so on.

2. Getting Life Insurance after Retirement

When you retire you are saying that you are done with the hassles of life and the fast lane and it is time for a little rest and relaxation. This is going to be the best time in your life and most people will live that dream to its fullest. Of course there is the matter of unforeseen circumstances...

3. Reasons Why People Avoid Buying Life Insurance

Many people do not want to think about life insurance as the subject tends to depress them. This is a matter where one should learn how to deal with these feelings and move on. Life insurance is so important...

4. Importance of Life Insurance

Losing someone close is one of the toughest things we will all have to deal with. If that person has not properly planned ahead to cover the expenses they have left behind then they leave a tremendous burden on their loved ones...

5. Analyzing Your Needs

You probably are aware it is important to have enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. However, determining the necessary amount of life insurance can be complicated...

6. Should you Buy Life Insurance if you have no Children?

For those that have no children, there is the belief that life insurance is unnecessary because there is no one to leave money to. Well what about the people that you are leaving behind? There are more than just children when it comes to a family and many people tend to forget about that when planning the life insurance deal.

7. Low-Cost Term Life Insurance for Smokers

If you happen to be a smoker and are looking for affordable life insurance, you may soon realize that high life insurance rates are just a part of life for those who use any sort of nicotine. The reason for this is simple to understand; smokers are more at risk for such things as heart disease, cancer and cardiovascular disease than are those individuals who do not smoke.

8. Low-Cost Life Insurance for the Self-Employed

Life insurance should be your top financial priority if you don't have any. You should request free life insurance quotes immediately. It's especially valuable if you own a business, or are thinking about starting a business of your own. Remember, you don't have any personal group insurance you can depend on, with low life insurance rates. Know the benefits of having life insurance, and what can happen if you don't by being a sole business owner.

9. Do You Need Life Insurance for a Non-Working Spouse

If you are a family with a single income then the act of having life insurance for the non-working person is still a very smart move to say the least. This is especially true if the person is the primary care giver of children or other loved ones in the family.

10. Life Insurance for Women

Over the past decades the role of women, even those married with families has changed drastically. Where women were primarily based in the home years ago, they are now an equal part of the work force. With most families in America dependent upon two incomes it is surprising to hear that women today are quite often under insured especially when it comes to life insurance.

11. Low-Cost Term Life Insurance for Single Individuals

Just because you're single doesn't mean that you shouldn't purchase a policy for yourself. In today's society being a single is different than it used to be. People are leading independent lives for a much longer time, so learn about why it's necessary for you to have life insurance in your life, even if you don't think you should.

12. Term Life Insurance for School Aged Children

The debate over whether it's a good idea to purchase life insurance for your children rages on. You can purchase insurance for them, but you'll need to know the difference between the two primary types that are available for them. Also, know about a few benefits that your children will get when life insurance is bought for them at young age.

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