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Life insurance is a good idea for virtually everyone, but if you have a family to protect a sound life insurance program is absolutely essential. There are two basic types of life insurance needs; temporary and permanent.

Temporary needs include home mortgages or short-term debt reduction, family income and educational expenses. They can last as little as one year, or as long as 20 to 30 years. Term insurance is the most cost effective method of insuring many short-term needs. There are a variety of plans to choose from, ranging from an annual renewable term (1 year plan) to a level term plan that can last 5, 10, 20 or 30 years.

Permanent needs include those that last for your entire life or for periods of at least 15 years or more. Permanent insurance needs include final expenses, funds to cover estate taxes, and retirement savings protection. Permanent and universal life plans are ideally suited for meeting these goals.

The primary purpose of life insurance is to provide cash for your family in the event of your death. It ensures that they can remain in their home and continue to maintain an adequate standard of living. There are a number of factors that determine the cost you pay for life insurance including;

  • Type of policy
  • Benefit amounts
  • Applicant's age
  • Health
  • Tobacco use
  • Occupation
  • Hobbies

A Ryan&Ryan representative will invest whatever time it takes to understand your specific situation and needs, and then explain it to you in simple terms that apply to real life; your real life. You will always feel confident insuring with us, never coerced.

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