Tom Crutchfield Insurance Agency

Do you need Life Insurance?

You Do IF…..

You’re a parent or expecting. Your children deserve a bright future.  Life insurance can help ensure they get the care and education they need.

You’re married or part of a couple. It would be tough enough not having you around anymore.  Not having anything to replace your financial contribution could make things even worse.

You’re a homeowner. Life insurance can help provide your loved ones with money to make mortgage payments so they can stay in their home.

You have aging parents. You can help make sure they’re taken care of, even if you can’t do it in person.

You’re single, divorced or widowed. If there’s anyone who depends on you financially, or who might be burdened with your medical or funeral expenses, consider buying life insurance to provide them with the funds they’ll need.

Who do you Love?

You’d do anything to protect your family from harm.  But what if something happens to you?  Or your spouse?  Nothing can truly replace the loss of a life.  But with life insurance, your love will live on – by helping to provide your family with a solid future.

How Life Insurance Works

Life insurance gives your loved ones financial security after you’re gone.  You pay a monthly premium, and if the unexpected happens, your beneficiaries receive a death benefit to help them pay for funeral expenses, mortgage, college tuition or retirement.

How much is enough?

The most important thing to think about is how much income your loved ones would need to remain financially stable without your income.  Many employers offer life insurance plans, but they are usually not enough.  You may want to buy another policy to supplement what you have.

Is it affordable?

Your premium will depend on a range of factors including your age and how much coverage you want.  Different life insurance products have different fees or charges.  If you’re looking for cost-effective insurance, you may want to start with a term life policy and then move to a permanent policy once you’re more financially stable.

Choose a policy that’s right for you.

Term:

Term is usually less expensive because it only covers a set amount of time – such as 10, 20, or 30 years.  You choose the amount of time and the amount your policy is worth.  Then, your beneficiary receives a lump-sum payment if you die before that term is over.  You can usually convert your term policy to a permanent policy without having to get another medical checkup.

Permanent:

A permanent life insurance policy is just that – permanent.  It is designed to last your lifetime with regular, annual premium payments.  These premiums are typically higher that term, but that is because you are also accumulating cash value in your policy in addition to the death benefit protection.

Because he loved me,

He did the dishes,

Rubbed my feet,

Surprised me with gifts,

Took me to musicals even though he didn’t like them,

Carried my bags while I was shopping,

Held my hand,

He died of cancer four years ago,

Because he loved me,

I can stay in our home,

I can be here for our children,

I can afford to pay for their college education,

I can worry about the other things in life besides money,

He still loves me / And still shows it.