First Insurance Group
Home Page

Free Insurance Quotes Auto Insurance Home Insurance Commercial Insurance Life Insurance Health Insurance

pregnant lady with husbandWhile life insurance is beneficial for virtually every adult, many individuals begin seriously considering it once a baby is on the way. It’s a logical thought process, considering the future needs of your new family. In this article, we address some of the most commonly asked questions that expecting moms want to know about life insurance.

Do I need life insurance even if I plan to be a stay-at-home mom?

Both working moms and stay-at-home moms provide value to the household. Stay-at-home moms may not be monetarily compensated, but they do take care of the kids, clean the house, cook meals, do laundry and more. These services would be expensive to replace if something happened to you. Generally speaking, it’s wise for all moms to purchase life insurance. However, a working mom should account for lost income when determining the worth of the policy.

Should I buy term or permanent coverage?

The needs of your family help contribute to the type of insurance you should buy. While term life insurance is more affordable (and therefore preferred by many young families), permanent life insurance provides lifelong coverage, along with a savings element. Many families find that a combination works best, with the term coverage adding extra support during the years when children are still at home.

My job offers life insurance. Isn’t that enough?

Plenty of jobs offer group life insurance, which is a nice benefit to have. However, this coverage is often very limited, both in the payout amount and the fact that it won’t follow you if you get a new job. Your best bet is to buy your own personal coverage (that will follow you, regardless of employment) so you can set the policy limits.

How much does life insurance cost?

Your life insurance premiums are largely dependent on your age and health, along with many other factors that help predict your longevity. Talk to your independent insurance agent for a personalized quote.

Protect your budding family. Call First Insurance Group at (800) 511-2892 for more information on Bardstown life insurance.

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
First Insurance Group
Home | Get a Quote | About | Customer Service | Claim | Contact



First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
Bardstown 107 Lincoln Way | Bardstown, KY 40004 | Phone: (502) 348-5921
Frankfort 1510 Louisville Rd | Frankfort, KY 40601| Phone: (502) 223-5100
Nicholasville 508 North Main St, Suite C | Nicholasville, KY 40356 | Phone: (859) 885-9454
Richmond 312 Jason Dr Suite 3 | Richmond, KY 40475 | Phone: (859) 623-6692
Glasgow 605A Happy Valley Road | Glasgow, KY 42141 | Phone: (270) 651-5723

© Copyright 2017. All rights reserved. Powered by Insurance Website Builder
Get A Quote Find an Agent Locations
Facebook Twitter LinkedIn