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Spring, summer and early fall bring the height of the wedding season, with countless brides and grooms planning their perfect day during these warm and beautiful months. In the midst of picking out bridesmaids’ dresses, invitations, a venue and flowers, it’s easy to overlook all of the other commitments that come with joining two lives, including life insurance from CLOVERLEAF INSURANCE.

Whether you’re engaged to be married, a newlywed or have been married for a while, it’s important to consider the financial commitments that come with your partnership. Couples just starting out often purchase a new home and may plan on having children in the near future. Life insurance helps to ensure that you or your spouse will be financially secure should one of you die. But it’s also one of the most affordable ways for young couples to protect their long-term financial goals.

Planning a wedding is an exciting and hectic time for many couples, a symbol of starting their lives together and making a lifelong commitment to each other. An important part of that commitment is life insurance, since couples depend on each other for many financial responsibilities.

It’s all about balance: you want to get life insurance that’s affordable and fits into your budget, but you also want to make sure you have adequate coverage.

TERM INSURANCE - provides protection for a specific, limited amount of time. In the vast majority of policies, the cost of term life insurance covers only death benefits and policy expenses. It does not accumulate cash value. Initially, this is the least expensive option – although in the long run it may be more costly – and is generally convertible to a permanent policy.

PERMNANENT INSURANCE - is designed to stay in force for an individual’s entire life. The main advantages of this policy type include a premium that does not increase over time, and a cash value that accumulates over the life of the policy. Whole life has a cash value that can be accessed if needed and can provide you with a guaranteed income after retirement.

Your job may offer employer-provided group life insurance, it’s important to remember that you shouldn’t rely solely on this coverage. Group life insurance generally only provides coverage equal to one or two times your salary, which is much less than the recommended amount. In some cases, this insurance is also not transferable, so you may not be able to keep your coverage if you change or lose your job.

It’s never too soon to make sure you and your significant other are protected. We’ll explain all of your options and help you find the life insurance that fits your budget and your needs.

To have a life insurance professional review your needs or help you determine whether your existing coverage is adequate, call Cloverleaf Insurance at 1-800-530-5822.

Make sure these important items are added to your list of things to do before and after the wedding review your life insurance needs, insure your engagement ring and/or wedding bands, review your homeowners coverage, add your spouse to your auto insurance policy, consider name and address changes, review your driver’s license, passport, social security card and bank information and consider filing jointly for taxes. 

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1 Comments

insurance ozark said...
Went with good topic.
insurance ozark
MONDAY, SEPTEMBER 30 2013 3:28 AM

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