If your death will impact someone financially, chances are you need life insurance. It should be a part of your financial plan. You may need term insurance, permanent insurance, or some of both. Life insurance provides money your family will need after your death. The death benefit replaces your income and can help your family meet many important financial needs. There may be current monetary needs or future needs such as funeral costs, living expenses or college funding. And, there is no federal income tax on life insurance proceeds. Most people need life insurance. Think about what would happen to your family if you died tomorrow! Would they have the money to pay for your funeral costs, medical bills, taxes, or debts? What about rent or your home mortgage, clothing, food, healthcare, or child care expenses? Would your family still be able to plan for college expenses? Would your spouse be able to ever retire? It is hard enough to loose someone you love. But, their sorrows don't need to be exacerbated with financial suffering. Life insurance helps make sure that the people you care about will be provided for financially. Call to find out what you can do to protect your family.