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Washington, D.C. Life Insurance

Who would provide for your loved ones if you could not?  The right Washington, D.C. life insurance ensures your family's financial security in your absence.

At InsureMe, we are here to support you. Finding you the right life insurance is our business. Simply provide a little information and receive up to five free quotes.

Put those Washington, D.C. life insurance worries to rest. Contact InsureMe right away!

Washington, D.C. Life Insurance FAQs

Why Do I Need Life Insurance?

Washington, D.C. life insurance secures the livelihood of those who must go on without you. It covers unexpected costs from legal or medical issues and pays for funeral arrangements. It also supplements the loss of your income.

Do I Even Need Life Insurance?

You are a candidate for Washington, D.C. life insurance if you are the sole provider for your family or contribute a significant amount of your income to your family's total earnings. If you care for your children and home, you should also consider obtaining a Washington, D.C. life insurance policy that will allow your family to maintain their current standard of living.

How Do I Determine How Much Washington, D.C. Life Insurance I Need?

Washington, D.C. life insurance is designed to make up for lost income until you retire. To calculate how much you need, take your pre-tax income and estimate how many years remain until you retire.

If you are a stay-at-home spouse, approximate what you'd pay an employee annually to maintain your home and/or care for your children.

Knowledge Is Power

There are two main types of Washington, D.C. life insurance. Your age, family size and financial status determine what kind you need.

Term Life Insurance: Term life insurance is more flexible and less expensive than permanent life insurance. It's best for young, growing families who have a large need for life insurance, but not always the financial means to pay the higher premiums of permanent whole or universal policies. As you age, this type of Washington, D.C. life insurance can potentially become very expensive.

Term Life Policies Include:

  • Level Term: Premiums and coverage are fixed over a certain time period.
  • Increasing/Decreasing Term: While premiums stay the same, the amount of coverage increases or decreases over time.
  • Renewable Term: Your Washington, D.C. term life insurance increases as you age. However, your health status is less predictable. A renewable term policy allows you to renew your policy without a medical examination.
  • Convertible Term: This type of policy may work if you are planning to get permanent life insurance in the future. It allows you to convert your term policy into a permanent one after a certain amount of time.
  • Group Term: This insurance is usually purchased by an employer and covers several people, so the premiums may be reduced.

Permanent (Cash Value) Life Insurance: The premiums for permanent life insurance are five to ten times as much as for term life insurance. But permanent Washington, D.C. life insurance usually covers you for your lifetime and often offers a cash value—you can actually accrue money throughout the life of your policy.

Permanent Life Policies Include:

  • Traditional Whole Life: If you pay the premiums, this policy won't expire. Many have a cash value, or savings account. Part of your payment goes toward the cost of the insurance and the remainder is put in your cash value savings account. This type of Washington, D.C. life insurance is intended to cover the higher cost of your premiums as you age. There is usually a penalty for terminating the policy prematurely.
  • Universal Life Insurance: This type of Washington, D.C. life insurance is the most flexible. As your financial needs change, so can your premiums. As with whole life, universal life has a savings account feature in which part of your premium payments are placed. Once a substantial amount has accumulated, you can use part or all of this amount for your future premium payments. However, once the savings get used up, you have to begin paying again or risk losing your life insurance.
  • Variable Life Insurance: This type of policy offers a savings account you can invest in stocks, bonds and mutual funds. Your money grows more quickly than with whole or universal policies, but there is more risk. However, many variable policies guarantee your death benefit won't fall below a minimum level.
  • Variable Universal Life Insurance: This type of Washington, D.C. life insurance combines the theory of the universal policy and the variable policy. It accrues money in a savings account that can be invested or used to pay future premiums.

The best gift you can give your family is adequate Washington, D.C. life insurance. Don't wait another moment. Contact InsureMe and get the right life insurance today!



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