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No one really wants to buy insurance, but most people want to ensure their financial security in the event of a tragedy. Life insurance can replace lost income, pay the monthly bills, relieve debt and more. It can even be a tool to protect the value of your estate after you're gone.
Although you may have a life insurance policy through your work, it might not be enough coverage to support your family, and therefore it's wise to purchase your own policy. With a variety of policy options, life insurance may seem complex, but we're here to make sure you get the best policy for your particular situation.
What is disability insurance? If you're injured or ill and unable to work for a long period of time, medical disability insurance provides a steady monthly income. You may qualify for Social Security disability benefits, but they will not replace your regular income in full. Unlike Social Security, insurance coverage from private long-term disability insurance can cover partial disabilities, and the requirements are usually more flexible than the government program.
Long-Term Care Insurance
The average cost of nursing home care is now over $66,000 a year.* If you or your spouse were injured or ill and needed this kind of long-term health care, how long would your savings last? If your answer is, "Not long enough", you may want to consider signing up for a long-term care insurance policy from a reliable insurance company, which can pay for the care of you or your spouse, either in a nursing home or at home.
*The $66K comes from a survey published by MetLife.