Why Life Insurance?

Why Life Insurance
The death benefit:

- Brings a check to the family when they need it most.
- It keeps the family grounded and not having to move in with Gramma because they have to sell the house.
- Children do not have to change schools.
- Self fulfilling college fund!! When parents set up college funds, what happens to that plan if both parents(or even one) is taken away (meets the main man).......who funds the college plan then??? So the question to ask the parents is....do you want your children to go to college only if you LIVE???? Life insurance completes the plan instantly.
- There is no other product in the WORLD that you could put a few premiums into and then possibly create an instant estate of thousands and millions of dollars.
- Charities are created and continued.
- Business can be purchased.
- Businesses can continue.
- If the rep doesn't sell life insurance to his clients.......someone else will!
- Large estate tax burdens can be paid, leaving the estate whole. Stops the fire sale.
- Provides for the family, when the one insured cannot.
- Protects the insurability... if a permanent plan is purchased. Our health doesn't get "better" as we age.
- Here is a situation people do not like to talk about: God forbid your child dies. It does happen, we know. We know the final expenses are tremendous.....but another thought is "When will you be able to return to life and work again?.......a week?.....a month?.....a year?" I know if my girl was to die, I would be a basket case. I also know that people still have to provide for the survivors. The spouse, surviving children, mortgage payments, car payments, councilors, food,.......all of those bills continue. There is a place for coverage on children.