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Getting a life insurance policy is the responsible thing to do when you have people who rely on you. With life insurance, you can leave something behind so that your loved ones aren’t financially devastated after you pass away. Many people don’t want to think about life insurance, but it’s essential to consider it and figure out how much your beneficiaries will need once you’re gone. Call us at Fuhriman Insurance Agency in Boise, ID, to get a policy and learn more.
Term Life Insurance
This type of life policy has an active period and an expiration date. When you get one of these policies, it will be clear how long the policy will stay in effect. You will be given several years, such as 20, for which the policy is good. You’ll also be given an expiration date. Once that date rolls around, the policy expires. You’ll need to apply for a new policy to protect your loved ones again. This type of insurance is inexpensive and fits into a budget much better than a whole life.
Whole Life Insurance
When you don’t want an expiration date, you might want to get a whole-life policy. These don’t ever expire. They stay good for as long as you live. Even if you become quite elderly, the policy will stay good. The trade-off is that this type of policy is more expensive than a term life policy. These policies also grow a monetary value you can borrow against during rough financial times.
Get Life Insurance
Regardless of your choice, life insurance policies are a must for everyone. When you’re ready to choose a life insurance policy, you can contact us at Fuhriman Insurance Agency in Boise, ID.