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Four Reasons Why You Absolutely Need Life Insurance Coverage

There are plenty of important reasons why consumers need to invest in life insurance. If you haven’t yet purchased life insurance, you should be aware of the most important reasons why you need this type of insurance coverage. Red Rock Insurance in Las Vegas, NV provides a guide on navigating this important coverage.

Here are four reasons why you need life insurance:

Life insurance makes your family more financially secure

If your family isn’t protected by life insurance coverage, dependents in your family could be left in a desperate situation in the event of unexpected death in the family. Having life insurance is one of the best ways to make sure that your family will have the funds it needs even if the family breadwinner passes away unexpectedly. 

Life insurance gives you peace of mind

It’s stressful to not enjoy life insurance coverage that would cover expenses and ensure that family members can maintain their lifestyle even if a primary earner passes away. With adequate life insurance coverage, family members can rest assured that financial needs will be met in the future. Life insurance coverage, therefore, reduces stress and provides family members with peace of mind. 

Life insurance policies can accumulate cash value

Not only does life insurance offer a death benefit payment that helps support a family financially, but it can also be a good option for families looking to accumulate savings. Whole life insurance policies and numerous other types of life insurance policies accumulate cash value over time so that they help families build wealth. 

You never know what the future holds

Unfortunately, bad things can happen. It’s impossible to predict surprise events and tragedies in a family like an unexpected death. Life insurance helps prepare families for the unexpected. 

Give Us A Call

At Red Rock Insurance, we can help you find the right life insurance solutions for your family in Las Vegas, NV. Get in touch with us to learn more about our life insurance offerings. 

What Is Accidental Death Insurance?

Accidental death insurance pays your beneficiaries in the event your death is caused by accident. This type of insurance coverage is also referred to as accidental death and dismemberment insurance, or AD&D, and is an alternative to permanent and term life insurance options. Those in Las Vegas, NV, debating between purchasing accidental death insurance or a typical life insurance policy can call our agents at Red Rock Insurance for more details. 

Accidental Death Insurance

Most insurance companies offer accidental death insurance plans to cover those who may have died due to an accident. The beneficiaries are paid a lump sum payout when the death of their loved one is caused by accident. The payout is called a death benefit, and natural causes or illness-related deaths are not covered under this type of insurance plan. 

Do I Need Accidental Death Insurance?

The decision to purchase accidental death insurance is completely up to you. The younger you are, you may take this plan into greater consideration because you may be at risk of becoming injured or killed in a fire, work accident, or auto accident. However, anyone at any age may want to consider accidental death insurance coverage for the same reasons. 

Disadvantage to Accidental Death Insurance

The Centers for Disease Control reports only 5.4 percent of deaths are ruled an accident. Because accidents are rare, the biggest disadvantage is you may never need this form of insurance coverage. 

Benefit to Accidental Death Insurance

The biggest benefit to purchasing an accidental death insurance plan is affordability. Being affordable means that even if you never need the plan, these plans do not cost a lot of money. 

Those living in Las Vegas, NV may want to consider weighing their needs and determine if they need to purchase accidental death insurance. Then, if you still have questions, call our agents at Red Rock Insurance to discuss your options. 

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