Unlike regular employees, you do not have health insurance coming from an employer. Getting a life insurance policy that comes with critical illness protects you from the uncertainties which are more common when you are working for yourself.

The most important reason for taking a life insurance is to protect your dependents. If you have very young children or a spouse who will struggle with the loss of your income, a life insurance is absolutely necessary to ensure that they will live a comfortable life even after you’re gone.

If you didn’t get a chance to purchase life insurance when you were younger, there’s still hope! Insurance Hero will scour the market in order to get the most competitive rates for you! If you’re looking for life insurance over 30 or 40, call us today for a free quote!

Death can happen at any time. Unfortunately, it’s not only painful for the ones you leave behind, but expensive as well! Having a life insurance can help take care of mortgage, loans, and other obligations that you still have so your loved ones won’t have to.

If you haven’t started saving up for retirement or have very little saved, a variable life insurance serves as a great vehicle for forced savings. This type of insurance invests part of your money which you can use later on to supplement your retirement income. This is perfect for those who know nothing of stock markets and other forms of investment.

It may be counterintuitive, but getting life insurance even when you’re perfectly healthy is a great way to keep the cost of your premiums down. After all, premiums tend to go up as you age and become more at risk for age-related conditions.