Many people realize that they need life insurance in Wichita KS, but figure they can wait a little longer before talking with an agent. In fact, everyone needs to take care of this essential part of life planning right now. Here are some examples of who needs to stop what they are doing and call an agent now.
Recent College Graduates
That entry-level job does not pay a lot, but that’s no reason to avoid securing some type of life insurance in Wichita KS. While a whole life policy may be out of the question right now, the cost of a term life policy will fit into that limited budget. It may mean taking a lunch to work a few times a week instead of eating out, but the sacrifice will be worth it.
Newly Married Couples
Once the honeymoon is over and the couple settles into domestic bliss, it’s time to think about securing life insurance. An agent can help the couple structure plans that protect each party in the event the other should be the victim of an accident or pass away suddenly due to a health issue. Having the insurance in places means the surviving spouse has a better chance of keeping that newly purchase home.
Starting a Family
If the couple did not secure life coverage when they first married, investing in a plan when the kids start coming along is a must. The insurance money would come in handy if something happens to the parents and someone else stepped in to raise the children. Keep in mind the money can be placed in a trust and drawn on when and as needed. That may mean there’s some money left to help cover some of the expenses with sending the kids to college.
The bottom line is that everyone needs some type of life coverage. Contact us today and learn about the options available, what it will take to secure the coverage, and how much the premiums will cost. Even if there is not a lot of spare cash to devote to the life insurance, rest assured there is a plan that will fit like a glove.
