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Alaska Life Insurance

At InsureMe, we realize that Alaska life insurance is a difficult, yet essential tool to achieving financial security.

We're here to make things easier. By submitting your information to the right, we will provide you with up to five free quotes for Alaska life insurance, enabling you to compare prices and decide what type of coverage best suits your family's needs.

Don't wait for the unexpected. Find Alaska life insurance today.


Understanding Alaska Life Insurance

When it comes to Alaska life insurance, many people don't know where to begin. Who needs Alaska life insurance? What will it pay for? How much should I buy?

These are all questions you will need to ask yourself before purchasing Alaska life insurance—questions that InsureMe will help you to answer.

Assessing Your Needs

After you die, an Alaska life insurance policy will provide cash to your beneficiaries, ensuring that your family will have the means to protect their standard of living. Therefore, if you support anyone financially, you will want to consider purchasing Alaska life insurance.

If you're single, you will want to consider purchasing Alaska life insurance if you plan on getting married or having children in the future. Or, you may want to purchase Alaska life insurance so that your final expenses and lingering debt are not passed on to loved ones after you die.

How Much to Buy

Since the proceeds from Alaska life insurance will be used to pay for your family's necessities, it is important to identify what those necessities are and will be, and how much they will cost. To gauge your family's expenses, you will want to ask yourself:

  • How much will my final expenses cost?
  • Will my estate be taxed?
  • Do I have debts my family will have to repay?
  • Will my children need money to continue their education?
  • Can my spouse retire comfortably on his or her benefits?
  • How will inflation affect the cost of living?

Once you have figured a rough estimate of your family's financial needs, you will want to consider any exiting resources (or assets) that you already have. Your exiting resources could be things like savings, Social Security, pension, stocks or real estate—anything that your loved ones could use toward their financial needs.

After you have determined the value of your exiting resources, simply subtract that value from the expenses needed, and you will have an estimate of how much Alaska life insurance you should purchase.

Choosing a Policy

The most common forms of Alaska life insurance are term and permanent life insurance. While the two forms have very different characteristics, they both have great benefits—depending on your needs.

Term Life Insurance

A term life policy protects you for a period of one or more years, which means that a death benefit is only paid out if you die during the specified period. However, because the death benefit is subject to the insured dying during that period, premiums for term life insurance are generally much cheaper.

A term life policy also allows a higher death benefit for less money, which is particularly attractive to young adults or individuals with limited income.

Permanent Life Insurance

Permanent life insurance protects you for the duration of your life and often has a guaranteed death benefit.

Permanent life insurance policies carry higher premiums, some of which are invested by the Alaska life insurance company to build cash value. The cash value earned can:

  • Provide you with a lump sum of cash if you cancel the policy
  • Pay the premiums for your policy if you are unable to pay them
  • Be borrowed against in the form of a loan if you should need it

The potential for building cash value makes permanent life insurance an attractive purchase for those that can pay the premiums—and for those who plan on maintaining their Alaska life insurance for years to come.

It is important that you discuss your needs with a licensed Alaska life insurance agent to ensure that you've selected the right product to meet your family's needs.

Protect Your Loved Ones with Alaska Life Insurance.

You'll rest easier knowing your family is financially protected by Alaska life insurance. Just enter your information to the right and receive up to five free quotes today.


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