Your Legacy, Their Security: Smart Life Insurance Choices

Why Life Insurance Matters

No one likes to think about what would happen if they were no longer here, but planning ahead ensures that your family is financially protected. Without life insurance, your loved ones could be left struggling to pay for final expenses, mortgage payments, outstanding debts, or everyday living costs. Life insurance provides a financial safety net, helping to replace lost income and maintain stability during a difficult time.


Beyond covering immediate expenses, life insurance can also be used to leave a lasting impact. Some policies allow you to build cash value that can be accessed later in life, while others provide benefits for future generations. Whether you’re securing your family’s well-being or planning for retirement, life insurance is a key part of a strong financial plan.

A black and white drawing of a swirl on a white background.

Frequently Asked Questions About  Life Insurance

  • What’s the difference between term and whole life insurance?

     Term life insurance provides coverage for a set period, such as 10, 20, or 30 years, while whole life insurance offers lifetime protection with a cash value component that can grow over time.

  • How much life insurance do I need?

     The amount of coverage depends on factors like your income, debts, and future financial needs. A common recommendation is to have a policy that covers 10-12 times your annual income.

  • Can I get life insurance if I have a pre-existing health condition?

     Many insurance providers offer coverage options for individuals with pre-existing conditions, though premiums may vary based on health status and medical history.

  • Does life insurance cover accidental death?

     Most policies cover both natural and accidental death, but some insurers offer additional accidental death riders for extra coverage.

  • What happens if I stop paying my life insurance premiums?

     If you stop paying your premiums, your policy may lapse, and your beneficiaries could lose coverage. Some whole life policies allow you to use accumulated cash value to cover payments.

  • Can I change my policy or add coverage later?

     Yes, many life insurance policies allow for adjustments as your needs change, whether it’s increasing your coverage, converting a term policy to permanent insurance, or adding riders for additional benefits.

What Life Insurance Can Cover

A hand is holding a bunch of money in its palm.

Financial security for your loved ones after your passing

A hand is holding a book in its palm.

Education funding for children and dependents

A black and white icon of a wallet with coins and an arrow pointing up.

Cash value growth for long-term financial planning (for whole life policies)

A black and white icon of a house and a calculator.

Mortgage and debt repayment to prevent financial hardship

A hand holding three stacks of coins with a dollar sign on them.

Income replacement to help maintain your family’s lifestyle

A black and white icon of a clock with a check mark on it.

Coverage for final expenses such as funeral and burial costs

A man and a woman are working in a garden.

Get a Quote Today

Planning for the future doesn’t have to be complicated. At Finn’s JM&J Insurance Agency, we’ll help you explore your life insurance options and find a policy that gives you and your family lasting peace of mind. Contact us today for a free quote and take the first step toward securing your financial future.