LIFE INSURANCE  |  Life insurance Is a good idea for everyone, but if you have a family to protect, a sound life insurance program is essential. There are two basic types of life insurance needs: Temporary and Permanent.

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

PERMANENT  |  Permanent needs are those that last for your entire life, or at least 15 years, and 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 explain it to you in simple terms that apply to real life - your real life.

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