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Understanding the Basics of Life Insurance

What's the best life insurance coverage for me? - Protecting What Matters Most

All facts are from several of LIMRA’s life insurance consumer studies. Fact sheet may be reproduced in whole or in part if attributed to LIMRA. #HelpProtectOurFamilies

What are the 3 main types of life insurance?

Common types of life insurance include: Term life insurance, Whole life insurance and Universal life insurance.

The right coverage for your life insurance is unique – talk to us today at PJS Insurance Services so call (602) 750-0616 in Mesa, Arizona and (419) 318-9130 in Toledo, Ohio or start a Free Life Insurance quote and find out how to protect your family and their future with the best life insurance.

When it comes to life insurance for many people it's not the question of how much, but the question of, WHY? The State of Arizona and Ohio is making me buy auto insurance for our cars. My bank said I need home insurance for the mortgage...WHY do I need to spend more money for something that is not required?

Who is the best Life insurance company?

The great news is that with PJS Insurance Services, not only do you get the cheapest life insurance, but from the best Life insurance companies.

Where auto and home insurance protects your "stuff" and liabilities. Life insurance protects the people that rely on you the most. Life insurance can form a vital part of your family’s financial stability and well-being but, if you’re like most people, you may find the thought of shopping for the right type of coverage a little daunting.

Many financial experts consider life insurance to be the cornerstone of sound financial planning

“In 2015, approximately 30% of Americans say that they need more life insurance coverage – that’s approximately 70 million people.”

Life Insurance and Market Research Association (LIMRA), 2015

Since that time, LIMRA’s updated “Facts About Life 2023” report shows significant increases in key areas of consumer concern.

• In January 2023, just 52% of consumers reported owning life insurance (e.g., individual, employer-sponsored, etc.), which is down from 63% in 2011.

•"Overall there are 102 million uninsured and underinsured Americans who know they need (or need more) life insurance coverage."

• Forty-two percent of Americans say their household would face financial hardship within six months should a wage earner die unexpectedly — 25% would struggle financially within a month.

Life insurance can be an important tool in the following situations:

• Replace income for dependents - If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.

• Pay final expenses - Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

• Create an inheritance for your heirs - Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.

• Pay federal “death” taxes and state “death” taxes - Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level “death” taxes.

• Make significant charitable contributions - By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy’s premiums.

• Create a source of savings - Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

How are your life insurance quotes determined?

Life insurance companies use life expectancy as the basis for determining quotes. Anything that could shorten your life expectancy will typically lead to a higher price. This includes:

• Your current age.

• Your sex. (On average, women live longer than men.)

• Whether or not you smoke.

• Current health conditions, such as high blood pressure or heart disease.

• Your immediate family’s health history, such as if one of your parents has had cancer.

What is the Best life insurance for adults?

• Don’t let a health condition stop you from getting quotes - 80% of people overestimate the cost of life insurance. Term life insurance is an affordable way to provide a crucial safety net for your family.

• More than half of Americans (53%) say they haven’t purchased (or purchased more) life insurance because they are unsure how much they need or what type to buy.

• A third of consumers believe they would have to pay taxes on a life insurance death benefit and 4 in 10 aren’t sure. The reality is the proceeds from a life insurance death benefit are not taxed.

Is it worth getting life insurance?

The necessity of life insurance depends on your own personal and financial needs. At PJS Insurance Services we assist and help you determine the best life insurance for adults from the best life insurance companies.

Serving Mesa, Gilbert, Queen Creek and the state of Arizona. PJS Insurance Services should be your first and last stop when looking for Life insurance.

There is a difference. To find out how our Independent insurance agency in Mesa can help you find the Best Arizona Life insurance coverage, please contact PJS Insurance Services. Give us a call today at (602) 750-0616.

Now serving Toledo, Sylvania, Ottawa Hills and the state of Ohio. PJS Insurance Services offers you more choices and customized coverages at the lowest price.

Experience the difference. To find out how your Ohio Independent insurance agent can help you find the Best Life insurance in Sylvania, please contact PJS Insurance Services. Give us a call today at (419) 318-9130.

Life Insurance in Arizona or Ohio-have more questions?

Call PJS Insurance Services at (602) 750-0616 in Mesa, AZ or (419) 318-9130 in Toledo, OH.

Feel free to go to the main Life Insurance Basics page for more information. There are a lot of different types of coverages for a lot of different types of households. Here to help with the lowest prices from the best companies.

Select your choice below for additional information and coverage options to customize your plan or send me your questions here.