Life Insurance

What is Life Insurance?

Unfortunately, no one lives forever, and if you have loved ones who rely on your income for food, shelter, and more, you need to have life insurance. Our team at Living Legacies can help set up your family for comfort after you leave them. We understand how difficult these conversations can be, but we can help you and your family feel become more at ease after saying goodbye. Not having life insurance can add more to the chaos and heartbreak of your loss. Instead, reach out to Living Legacies for a free consultation and go over the different options we have to help get your family set up after you pass.

Why Should I Buy Life Insurance from Living Legacies?

There are many reasons for you to have a life insurance policy from Living Legacies. Your family and friends will be grieving your loss, and without a financial safety net a Life insurance policy can provide for them, it can be even more challenging to move on after the funeral or wake. Make their life easier by signing up with us today and choosing which policy will work best for you and your family.

What Are My Options for Life Insurance?

We aim to make the life insurance policy buying experience as smooth and easy as possible. We also intend to give you options, so you do not feel like there is only one answer to the question. Every client is different, and their needs are unique to them, so with the life insurance policy options we have to offer, you can trust Living Legacies to find the right one for you. You can see diverse options below:

Term Life: We offer this option to assist if you pass away within a period of time, typically 10, 20, or 30 years. The premiums are lower since it only covers a shorter time frame, and there is no investment return on the amount chosen. If you do outlive the coverage term, you can move into another term or switch to a Whole Life option.

Whole Life: With this option, you are covered for the rest of your life. Your premium may be higher, but you will not need to worry about your coverage running out and leaving your family without the money they need in your absence. The amount chosen will also gain cash value over time, and you will be able to make withdrawals if need throughout your lifetime. 

Universal Life: If you need a policy that allows you to change coverage over time, Living Legacies’ Universal Life option may be for you. You will also be able to build tax-deferred cash value throughout your coverage.

Frequently Asked Questions About Life Insurance Policies

Life insurance policies can be a little confusing, but thankfully, you have a dedicated staff at Living Legacies to help get you all the answers you need in order to make the right choice for you and your family. We have studied all the different ways our coverage options can assist in your family’s time of need to help everyone cope better without worrying about income loss or assistance. Consider the following questions before scheduling your free consultation with Living Legacies:

  • What is the Best Life Insurance to Buy?
  • What is the Difference Between Whole Life Insurance and Term Life Insurance?
  • Is it Worth Buying Life Insurance?
  • How is the Cost of Life Insurance Calculated?
  • Is it Possible to Get Joint Whole Life Insurance Coverage?
  • How Many Life Insurance Policies Can You Have?
  • How Much Life Insurance Do I Need?

Call Living Legacies Today to Get the Answers You Need

If you have further questions or would like to speak directly with a Living Legacies representative, please reach out today. Our team cannot wait to help you get the protection necessary to support your loved ones after you have transitioned. Use our knowledge and experience in this field to create a plan ensured to give you and your family peace at the greatest hour of need. We will be by your side with a dedicated agent in Baltimore, MD. Call now and get your free consultation scheduled so you can begin your coverage.