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Buying New Hampshire life insurance enables you to make provision for your loved ones when you die. Some life insurance policies provide your family with only the premium investment you've paid in, while others build cash value over time, supplying extra money for things like mortgage payoffs, college tuition or retirement.
If something happens to you, your family will need plenty of money to replace your lost income for a time and to get through the transition. Don't leave your loved ones high and dry. Give them the resources they need so they can make informed, wise choices regarding their future.
How It Works
Each year, you pay your New Hampshire life insurance company what is called a "premium." This is a payment amount the insurer gives your family in case of your death. You tell the insurance company who you want to receive the money, called a "beneficiary," and if you die while your New Hampshire life insurance policy is in effect, the insurance company pays that person or persons the insurance money accrued.
What Kind to Buy
The answer to which kind of New Hampshire life insurance you should buy depends on your family and its overall financial situation.
The two most popular types of New Hampshire life insurance are term life and permanent life insurance.
Term life is by far the cheaper of the two, affording you the opportunity to buy more for your money. If you don't have much money to spend on life insurance or if you only need it for a specific period of time, this may be your best bet.
On the other hand, if you are older or are looking for a way to save money as well as buy insurance, permanent life insurance may be the way to go. This option allows you to build "cash value," which means if you cancel the policy before you die, the insurance company will return the money to you. This is called "surrender value." This makes permanent New Hampshire life insurance a great way to save money for the future, while protecting your family's finances.
How Much You Need
Most experts recommend buying life insurance at least seven times the amount of your annual salary.
Use this equation to help you determine the base amount of New Hampshire life insurance you need:
Your Salary x 7 = Amount of Insurance
Remember, this provides only a starting place when figuring out how much New Hampshire life insurance you should buy. The best thing to do is examine your family's financial needs in case of your death, decide how much you can afford to spend on yearly or monthly premiums, and talk to a knowledgeable New Hampshire life insurance agent to help determine what amount of life insurance can be purchased using these figures.
How to Choose the Right Agent
The best way to make sure you get a qualified, knowledgeable agent is to ask plenty of questions. An agent who knows a lot about New Hampshire life insurance and has experience helping others with their purchases will mean a lot to your family when it comes time to file a life insurance claim against your policy.
When you talk to various agents, find out how long they've been in business and ask for references from satisfied customers. Watch their responses to your questions, and see if they are willing to take the time to get to know you, your family and your situation to help you make a wise decision. A good agent will ask questions, listen to your concerns and work alongside you to provide you with the best New Hampshire life insurance coverage they can offer.
If a New Hampshire life insurance agent uses terms you don't understand, ask for clarification. It is important to make sure you understand what terms mean, everything included and NOT INCLUDED in a policy, and other important details.
Finally, don't let a New Hampshire life insurance agent pressure you into making a hasty decision. A good agent reviews your situation, presents you with options and lets you make the final decision
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