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Life Insurance

Life Insurance with Heart. From Income Resource Group

Life is full of unexpected turns and while we can’t predict them, we can plan for them. Life insurance is one of the most important ways to protect your loved ones financially if something happens to you. Whether it’s covering medical bills, funeral expenses, or helping your family stay on their feet, a well-planned policy gives you peace of mind knowing they’ll be taken care of.

At Income Resource Group, we’ll walk you through your options, explain what matters, and help you find a plan that’s built around your life and your goals.

Life insurance is a promise-one that provides financial support to your loved ones when they need it most. It’s a contract between you and the insurance company: you pay regular premiums, and in return, the insurer guarantees a payout to your chosen beneficiaries if something happens to you.

To keep that promise strong, it’s important to be honest and accurate when applying. That includes sharing details about your health and lifestyle. Providing the right information helps ensure your policy remains valid and your family is protected—without any surprises down the road.

At Income Resource Group, we’re here to guide you through the process, answer your questions, and make sure everything’s in place so your plan works exactly the way it should.

Life insurance isn’t one-size-fits-all—and that’s a good thing. There are different types of policies designed to meet a variety of needs, whether you’re looking for simple short-term protection or long-term financial planning.

The two main options are term life insurance, which provides coverage for a set number of years, and whole life insurance, which offers lifelong protection and can even build cash value over time.

Choosing the right plan depends on your goals—do you need coverage for just a specific period, or do you want something that lasts for life and supports future needs like retirement or legacy planning? No matter your situation, understanding your options now can help you avoid confusion later—and give you peace of mind moving forward.

At Income Resource Group, we’ll help you weigh the pros and cons, so you can make a choice that truly fits your life, your budget, and your future.

Start with the Right Coverage Amount

When deciding how much life insurance you need, a good rule of thumb is to aim for a policy that’s about 12 times your annual income. From that, subtract your existing investment assets and add any outstanding debts or liabilities. This gives you a solid foundation to make sure your family is protected financially if the unexpected happens.

Choose a Term That Matches Your Needs

The ideal policy term depends on how many working years you have left. A simple formula is:

Retirement Age – Current Age = Policy Term

So, if you’re 35 today and plan to retire at 60, a 25-year term would likely be the right fit.

Consider Buying Insurance Online

Shopping for life insurance online can often save you money—sometimes up to 30% less than buying through a broker. That’s because you’re skipping agent commissions and going straight to the source. If you're comfortable reviewing your options digitally, it can be a smart and cost-effective choice.

Understand Add-Ons Before You Opt In

Some policies bundle life insurance with other benefits like health or critical illness coverage. While these combined plans can offer extra peace of mind, it’s important to evaluate the value of each part. Don’t add more than you need—make sure every feature serves a real purpose in your life.

Be Transparent-Disclose Everything

Honesty matters when applying for life insurance. Disclose all relevant health details, family history, and current or proposed policies. Providing complete information helps ensure your coverage is valid and protects your loved ones without future complications.

Say Yes to Medical Tests

Medical tests may feel like a hassle, but they’re worth it. They help ensure your policy is accurate and reduce the chances of your claim being denied later. Even if it means paying a slightly higher premium, it’s better than leaving your family with challenges during a claim process.

Review Your Coverage Every Few Years

Life changes—so should your insurance. Make it a habit to review your policy every 3 to 5 years. Income, family size, debts, and financial goals evolve over time. A quick check-in helps make sure your plan continues to meet your needs.

Already Have Life Insurance? Let’s Make Sure It Still Works for You

If your current life insurance policy no longer feels like the right fit-whether it's due to rising costs, confusing terms, or a poor claims experience-it might be time to explore better options. You deserve coverage that gives you peace of mind, not added stress.

But before making any changes, it’s important to be careful. Cancelling your existing policy before a new one is in place could leave you without protection when you need it most.

At Income Resource Group, we make switching safe and simple. We’ll help you compare your options, guide you through the process, and ensure you’re never without coverage. Reach out today—we’re here to help you make a confident move.

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