Life insurance can be a difficult subject to think about-let alone talk about. But it is an important topic and one we’re here to help you with.
Life Insurance In CT
Life insurance in CT is available in a variety of different forms, which is a good thing because everyone is different and everyone has different needs. Some people will be focused on keeping their premiums low while others may want their life insurance plans to carry additional benefits. A lot of thought should go into choosing your life insurance coverage because it's a decision that can have a serious impact on not only your life but the lives of your loved ones.
Term Life Insurance
Term Life Insurance is one of the most common types of life insurance. With it you will purchase coverage for a set amount of time. Generally, your coverage will last between 1 and 30 years. These policies can vary on specific factors but usually your premium payments will stay the same throughout the coverage period. Term life insurance will only pay out if you die while insured, so it's important to avoid lapses in coverage.
Whole Life Insurance is the most straight forward type of permanent life insurance. Once you have it you're covered for the rest of your life-as long as you keep paying. With whole life insurance your premiums are set at the same amount throughout the entire duration. This makes these types of policies less expensive as you age but you'll pay more in the beginning to even things out. The money that goes into this fund is tax-deferred which means you won't have to pay taxes on it unless it is withdrawn.
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