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Who Needs It?

Life Insurance: Protection, no matter what

Congratulations. You’re having a baby! We specialize in insurance for new families. Life insurance lets you safeguard the future for your newborn bundle of joy, and the income protection does not have to be expensive.

RSinsurance has a policy that makes sense for you.

Term Life Insurance
The most common form of basic life insurance is known as “term.” You choose a lump sum amount that would be enough to provide for your family and buy the coverage for a set period of time. Generally, this is from 5 to 30 years—it’s up to you. The money your heirs would receive is normally income-tax free.

Whole Life, or Permanent Insurance
The other common category of life insurance covers you for your entire life. While it costs more in the first few years, it has advantages over the long term. For example, you don’t lose the coverage when you get older, and your payment costs never rise. Most importantly, there’s a savings component which builds a cash value asset. This cash value account gains interest in a tax-advantaged way, creating a significant sum over the years. You can spend it, borrow against it, use it to pay the monthly premiums, or provide a bigger inheritance after you’re gone.

Disability Insurance.
A high proportion of Americans will experience a major illness during their working life. Despite the word, “disability,” this insurance should be viewed more as financial protection against loss of income from common but serious illnesses.

Some employers offer short term partial protection, and there is US government disability pay if you become severely disabled. However, that coverage would fall far short of your real earnings--whether you’re a truck driver, an IT professional or a salesperson. A disability Insurance policy is designed to provide the lost income you’ll need to keep paying all of the household bills while you get better. Like all insurance—it has to be put into action before you get sick.

Let’s explain it a little more fully, based on your life stage.

Married, without children

What would happen to your finances if you or your spouse died tomorrow?

Normally, one person earns more in a two-income family, but both paychecks are equally important. A lump sum of money would go a long way towards replacing the missing income, so that your problems aren’t focused on money. For all kinds of reasons, lock in a better rate now when you’re young and healthy. And if you’re planning a family, you’ll want to buy life insurance today—some companies won’t issue policies to pregnant women.

Level of Protection: from $100,000 to $100,000,000
Policy Type: Whole Life, Term Life, Universal Life
Insurance Needed up to 27 X income + Assets Evaluation
Premium Options Monthly, Quarterly, Annually

Married with children

Most families depend on two incomes to make ends meet. At a bare minimum, both earners should buy a term life policy, that will cover you for the next 20 or 30 years. While it will expire at the end of that term, your family would have protection during that time, and hopefully, in future, you’ll have some money set aside. A better solution would be to purchase a whole life plan, for permanent insurance cover as well as an account that makes sure you save for the future.

Level of Protection: from $100,000 to $100,000,000
Policy Type: Whole Life, Term Life, Universal Life
Insurance Needed up to 27 X income + Assets Evaluation
Premium Options Monthly, Quarterly, Annually

If you’re a Single Parent

You do everything—from cookie-baking to soccer coaching, and you’ve got 100% of the financial responsibility. Despite that, nearly 4 in 10 single parents have no life insurance. Life insurance costs less than people think, and in your case, having protection is doubly important. In the event that you weren’t there as sole breadwinner, your children would still have a future. Let us show you how to sleep better, with a policy you can afford.

Level of Protection: from $100,000 to $100,000,000
Policy Type: Whole Life, Term Life, Universal Life
Insurance Needed up to 27 X income + Assets Evaluation
Premium Options: monthly, quarterly, annual

If you’re a Stay-at-Home Parent

You may not be bringing home a salary, but what you do is critical to the family’s wellbeing. Childcare, transportation, cooking, cleaning—all vital, often underestimated. Life insurance enables your contribution to stay in place. If you were suddenly removed from the picture, your kids wouldn’t have to suffer a drop in quality of life, too.

Talk to RSi.
We’ve got you covered.

Level of Protection: from $100,000 to $100,000,000
Policy Type Whole Life, Term Life, Universal Life
Insurance Needs up to 27 X income + Assets Evaluation
Premium Options: monthly, quarterly, annual

RSi Resources

LIFE INSURANCE CALCULATOR

Special Words From Our Clients

We Stand By Our Work

They are the best! Hands down I needed help with my WHOLE LIFE policy it was old and outdated. My mother bought it for me when I was a kid and I wanted to see If I should get more for my family. I was nervous to get insurance because I heard so many bad stories but RSi was helpful and the team helped a lot.

James Madissa October 05, 2015

Phillip was a very nice young man, he was patient with me and helped me make a great choice. Highly recommend RSinsure!

Patricia Newhouse Septembet 12, 2015
RSinsure Group
We've got you covered
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