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Life Insurance

Life insurance is something you should consider adding to your financial plan if you're interested in providing a measure of security for the ones you love. Proceeds from a life insurance policy can be used to pay final expenses, plan for children's education, eliminate outstanding debts, or cover day-to-day expenses.

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Life Insurance 101

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:


1. Replace income for dependents

If your family depends on an individual’s income, life insurance can replace your income if the you die. The most common example of this is parents with children for things like daycare and education. Insurance to replace income can be especially useful if the government- or employer sponsored benefits of the surviving spouse or domestic partner will be reduced after their companion dies.

2. Pay final expenses
Life insurance can pay funeral and burial costs, probate and other estate administration costs, debts, and medical expenses not covered by health insurance.

3. Create an inheritance for heirs
Even those with no other assets to pass on, can create an inheritance by buying a life insurance policy and naming their heirs as beneficiaries.

4. Pay federal “death” taxes and state “death” taxes
Life insurance benefits can pay for estate taxes so that heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level estate taxes.

5. Make significant charitable contributions
By making a charity the beneficiary of their life insurance policies, individuals can make a much larger contribution than if they donated the cash equivalent of the policy’s premiums.

6. Create a source of savings
Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

There are 2 major types of life insurance - term and whole life

  • Where can I get a quote?
    To get a free quote from Belus Insurance, simply select the type of coverage you are looking for and fill out our simple form or call our toll free number and speak with an agent right away.
  • How fast can Belus Insurance provide me with a quote?
    We can provide you with a free quote within minutes. Give us a call or fill out our form to get started now.
  • What coverages does Belus Insurance offer?
    Belus Insurance offers home, auto, life, renters, health, business insurance and more. To see the full list of coverages offered by Belus Insurance, click here
  • What if I'm interested in multiple types of insurance?
    Then you've come to the right place. Belus Insurance specializes in helping people find the best rates and coverages. Many times we can bundle rates together to get you an even better price. Call us now to get a free quote.

Don’t just stop at Life Insurance. Bundle auto and home insurance today and save even more. 

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