Most people don’t like to think about Life Insurance. That’s because it’s a complex coverage that only activates as a result of an insured’s death due to natural or accidental causes. It can be painful to imagine all that would come to pass in the event of one’s death—even for a split second. We can appreciate that. But if something were to happen to you, could your family or loved ones recover financially without feeling a serious strain on their assets? A rich Life policy can help them get back on their feet, should something occur. So pass the pain over to us. At Wells Insurance Services, we will take the time to understand you, your needs and your family. Then, we will offer you a best-fit solution for you and those you care about that is affordable and offers the long-term protection you and they will require.
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Why do I need Life insurance?
If you have a family or dependents, your Life insurance can ensure that they won’t suffer financially following your death.
Does my age affect my Life insurance premiums?
Yes. Typically, the older you are the higher the risk and by association, the premium. That’s why experts recommend purchasing a Life insurance policy when you are younger. However, other factors like gender, medical history, smoking, can also impact your premiums.
Are there any restrictions as to who I can name as a beneficiary?
There is no restriction to who you can name as a beneficiary. That being said, if a beneficiary is a minor then a Trustee must be appointed for the duration of time until the beneficiary reaches the age of majority.