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Life Insurance - San Antonio and Austin, TX

Solutions to ensure your loved ones have what they need.

Individual life insurance in San Antonio, TX.

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

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Individual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off.

Use the yellow hot spots and explore how life insurance can help protect against common risks.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

 

Note: Actual policies must be consulted for specific terms and conditions.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Note: Actual policies must be consulted for specific terms and conditions.

Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

 

Note: Actual policies must be consulted for specific terms and conditions.

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Note: Actual policies must be consulted for specific terms and conditions.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.

Solution

Life insurance can help support a surviving spouse during their retirement.

 

Note: Actual policies must be consulted for specific terms and conditions.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Note: Actual policies must be consulted for specific terms and conditions.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

 

Note: Actual policies must be consulted for specific terms and conditions.

Tom had always been the breadwinner for his family. He worked hard to provide for his wife and children and wanted to ensure they were cared for even after he was gone. 

One day, Tom was diagnosed with a terminal illness. He was devastated by the news and worried about his family’s future financial security. 

Tom realized then the importance of having individual life insurance. He had never considered that unexpected events could happen, and it was crucial to have a plan in place to protect his loved ones. 

Individual life insurance, the insurance agent explained, provides financial protection to the policyholder’s family in the event of the policyholder’s death. It helps cover expenses like funeral costs, outstanding debts, and income replacement for the family. 

Tom quickly purchased individual life insurance, and the policy provided his family with the financial support they needed after his passing. Without individual life insurance, his family would have been left with a significant financial burden during a challenging time. 

From then on, Tom made sure to have individual life insurance for himself and his family. He learned the hard way that unexpected events can happen, and it’s essential to be prepared for any potential financial consequences. Individual life insurance gave him the peace of mind he needed to know his family would be cared for even after he was gone. 

Contact us and we’ll walk you through the options and help you to determine if term life insurance, whole life insurance or universal life insurance are right for you.

Let’s discuss your life insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate life insurance solution. There’s no obligation, just good-old-fashioned advice.