What is Life Insurance and How Does It Work?
Most people don’t think about life insurance until it’s too late, or perhaps they know they should have it, but have no idea how much. One may ask,...
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As a mom, you work hard to provide for your family. But have you thought about what would happen if something happened to you? Life insurance helps protect your loved ones by covering essential expenses while easing financial stress to those left behind. Whether you’re a single mom doing it all, co-parenting, or part of a two-parent household, life insurance is one of the most important ways to help protect your family from debt or financial loss.
Life insurance is a contract between you and the insurance company. You pay a small amount called a premium, every month, and in return, the company promises to pay a lump sum - the death benefit - to your loved ones (the beneficiaries) when you pass away. As long as your payments are up to date, your policy remains active.
The answer depends on what you can afford and what’s most important to cover. If you can’t replace a full salary, make sure your family can handle essential costs without struggling. Your policy should help with:
It’s more affordable and covers you for a set number of years (e.g., 10, 20, or 30 years). If you pass away during that time, your family receives the benefit. It’s ideal for moms on a budget who want the most coverage for the lowest price.
This insurance lasts a lifetime and builds cash value over time. While it costs more, it provides permanent protection and can be used for future expenses.
Contrary to popular belief, life insurance can be quite affordable. Let a Kemper Life Insurance agent come to your home and personally work with you to find the best option that fits you, your family and budget because peace of mind is priceless.
Source: *https://nfda.org/news/statistics
Kemper Life is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.
This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal, or estate planning professional.”
*All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products. Please contact your agent or nearest district office for more information.
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