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family posingThe reasons people buy insurance often involve protecting themselves. They may be protecting themselves against the loss of an asset, or perhaps against the possibility of getting sued. Life insurance is different because buying it is selfless. People purchase life insurance because they wish to protect their loved ones. Here are five reasons you may wish to consider life insurance.

1. To Replace Your Income

Even if your family benefits from two incomes, the loss of your income would still reduce their quality of life. Without your income, your children may have to make compromises on their college education, which may affect their future. Your family may have to move to a different home in another area in order to make ends meet. Their health care may also be affected. But life insurance can provide them with the means to continue living their accustomed lifestyle.

2. To Cover the Cost of Your Funeral

Funerals can cost tens of thousands of dollars. For many families, this is a big financial hardship at a very difficult time. Life insurance funds can cover funeral expenses so your family can grieve without worrying about monetary woes.

3. To Cover Debts

One of the biggest debts many families have is their mortgage. When life insurance replaces your income, your family can continue to their mortgage payments. This means they won't have to "downsize" to a smaller home or to an apartment. If there are debts in your spouse's name, life insurance provides the means to pay them off instead of having to sell an asset to remain solvent.

4. To Support a Parent, Grandparent or Disabled Family Member

If a person in your household relies on your income because they cannot support themselves, life insurance enables their support after your death. Whether your loved one lives at an assisted living facility or at home with the care of nurses, their expenses can continue being paid after your death.

5. To Provide Your Children with Quality Care

If you are a stay-at-home parent, your absence would seriously affect your children's home life. While your spouse works during the day, your children and the house will require the same care that you currently provide. Splitting this work among the surviving family members may affect the job performance of your spouse and the academic performance of your children. Life insurance helps defray the cost of domestic help.

Life insurance protects the future of your loved ones after you are gone. If you are on the fence about covering your family, contact an independent insurance agent to clear up any questions you may have.

Protect your family. Call Pro Player Insurance Group at (954) 316-4662 for more information on Fort Lauderdale life insurance.

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