FAQ
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Insurance is a financial tool that provides protection against unexpected losses, such as accidents, illnesses, or death. It helps preserve your wealth by covering expenses that could otherwise drain your savings.
The key types include:
Life insurance – protects your family in case of death.
Health insurance – covers medical expenses.
Disability insurance – protects your income if you can’t work.
Property insurance – protects assets like your home and car.
Liability insurance – protects against legal claims.
Life insurance – protects your family in case of death.
Health insurance – covers medical expenses.
Disability insurance – protects your income if you can’t work.
Property insurance – protects assets like your home and car.
Liability insurance – protects against legal claims.
Life insurance provides a lump-sum payment to your beneficiaries, replacing lost income and helping maintain their lifestyle or pay off debts, preventing financial hardship.
Term life insurance: Covers you for a set period; lower cost, no cash value.
Permanent life insurance (like whole or universal): Provides lifelong coverage and may build cash value, which can be used as a savings or investment tool.
Permanent life insurance (like whole or universal): Provides lifelong coverage and may build cash value, which can be used as a savings or investment tool.
Yes. Certain policies, such as Indexed Universal Life (IUL) or whole life insurance, combine protection with the ability to accumulate cash value that grows over time, supplementing your retirement or investment plans.
It depends on your financial situation, debts, family obligations, and future goals. A general rule is to have coverage that replaces at least 10–15 times your annual income for life insurance.
Insurance can provide liquidity to pay estate taxes, debts, or inheritance needs, ensuring your wealth is preserved for your heirs without forcing them to sell assets.
No. While health insurance covers medical costs, it doesn’t replace lost income, protect your family after death, or safeguard property. A combination of insurance policies is needed for comprehensive wealth protection.
Liability insurance, including umbrella policies, protects your assets from claims, lawsuits, or legal settlements, ensuring your wealth is not depleted by unforeseen legal issues.
Regularly review insurance whenever you experience major life events, such as marriage, buying a home, having children, career changes, or retirement. This ensures your coverage matches your current wealth protection needs.
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