Life insurance provides you with the comfort and the knowledge that you have taken care of the following:

• family protection
• estate and settlement costs
• emergency funding
• next generation gifting

There are two basic types of life insurance:

• term insurance
• permanent or whole life

Life insurance is sometimes called an instant estate planning tool because the proceeds from a life insurance policy can:

1. help ensure that your family is not burdened by significant debt by covering the payment of taxes and other transfer taxes
2. help satisfy other debt including funeral costs and outstanding medical expenses
3. provide immediate income to loved ones.

Insurance Mart will help you evaluate your personal situation to determine the policy type that is appropriate for your unique situation.

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