You’ve spent years building the life you always dreamed of. You have a beautiful home and family, a good job, and you live in a great community. Your family is your everything, and you would do anything for them. But what if something happens to you or your spouse? Let us help you take the necessary steps to secure your family’s financial future.
Life Insurance isn’t fun to think about, but for anybody who provides for others financially, it’s extremely important. If something tragic happens, life insurance proceeds can help to do many things. From covering the cost of a funeral, to living expenses or outstanding debt like a mortgage or credit card payments, and even paying for your children’s tuition.
There are many forms of life insurance available to Massachusetts and Rhode Island residents, but they typically fall into one of two categories: term life insurance and permanent – or whole-life – life insurance. The more affordable of the two options is term life insurance. As the name suggests, it gives you coverage for a specific time period (or “term”) and will only pay the beneficiary if the insured dies during that specific time period. If you want life-long protection, then permanent insurance is the option for you. If you pay the premium and don’t take out withdrawals or loans on the policy, the insurance company will pay the full amount of the insurance.
Anyone who provides financial support for others, should consider buying a life insurance policy of some kind. That could be married couples, parents, or even single people who take care of their aging parent or another loved one.
At Lapointe Insurance, we recommend that our clients start thinking about life insurance when something changes in your life. Examples of these life events could be marriage, the birth of a new child, getting a mortgage, or perhaps even a big promotion at work. We’re here for you when these changes in your life happen, and we’ll be happy to meet with you and determine what options are best for your specific situation.
Maybe you need a term insurance policy to provide coverage until your children graduate from college or you pay off your mortgage. Perhaps you need permanent insurance that accumulates cash value through the years. Depending on your unique family financial situation, you may even consider some combination of the two.
As a local independent insurance agency, we give you the benefit of choosing between insurance companies and we’ll coordinate with these top-rated carriers to find and tailor the best MA or RI life insurance policy for you.
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The experts at Lapointe Insurance are trained in all aspects of Massachusetts and Rhode Island life insurance and we can help you to research options and consider the pros and cons of each.