Family protection is what comes to mind when people think about buying life insurance. The fact is if there were no wives and children there would be no life insurance. Family, more often or not, is what it is all about. The before tax income of a "middle income" family, in the united states, today is about $68,000, and the average income of a two parent family is approximately $102,000.
It is also estimated that it costs over $260,000 to raise one child in this country.
Over and above these costs is the cost of a college education for a child. What of basic living expenses of the family, home improvement costs, saving in a good retirement plan, the cost of vacations and the cost of maintaining a good automobile or two.
These costs can add up to a considerable portion of your income. The important thing to bear in mind is that these expenses remain even after the death or disability of the breadwinner. Family protection life insurance as well as disability insurance is therefore a must for all families.
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types of life insurance
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
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