Married or partnered couples
Many partners find it difficult to make ends meet without the other earner’s income in the picture.
Married or partnered couples with kids
In addition to losing one partner’s income, the surviving parent may have to pay for childcare and education.
Stay-at-home parents
From cooking meals to driving kids to school to helping with homework, stay-at-home parents perform many critical responsibilities that would be costly to replace.
Single Parents
As the sole income earner for your family, you’ll want to think about how to replace your child’s only source of financial support.
Young adults starting out
Buying whole life insurance early in adulthood can lock in an affordable permanent rate, making it easier to protect your future family and financial goals before health changes or premiums increase.
Empty nesters
Many surviving partners would find it difficult to maintain the lifestyle they worked so hard to achieve without life insurance.
People caring for aging parents
If you provide financial support or housing for elderly parents, life insurance can help ensure they’re cared for without placing a burden on other family members.
Business Owners
Life insurance can help your business in many ways if you, a fellow owner, or a key employee were to pass away.
Retirees
Depending on the size of your estate, your heirs could be hit with an estate-tax rate of up to 45%. Fortunately, cash from a life insurance policy gives heirs access to tax-free money to pay for immediate costs and more.
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