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Why do I need life insurance?

The most important reason to purchase a life insurance policy is simple:  
 
To financially protect your family and loved ones in the event of death. Life insurance can replace your income to provide your family with the opportunity to continue living the same lifestyle they were accustomed to.   
 
Life insurance provides peace of mind that, in the event of your premature death, you are confident your loved ones will have security. The right amount of coverage can allow you to take care of your family even though you are no longer with them. Life insurance policies can’t replace the loss, but they are designed to cover final expenses and can replace your income.   

How can life insurance help my family?

Life insurance offers important financial protection. Regardless of what happens to you, there is assurance and peace of mind knowing that because of the insurance you purchased, there will be income available to help your family continue on without you, for example:  
 
 

• Your children could continue to participate in their extracurricular activities.  

• Your spouse may be less likely to face immediate financial strain or need to find a new or additional job while taking care of your children.   

• Your family could remain in the home you built together. If you plan correctly, you could provide enough money to pay off the mortgage.  

• Family vacations could continue if you consider those costs in your calculations.  

• Your children could have the option to attend college or a trade school when they graduate high school if you set aside enough money for their future education.  

The benefit of having a life insurance policy is that the love and protective nature of a parent can continue by sheltering your family from financial hardship after the unthinkable.     

How do I determine how much life insurance coverage I need?

When determining how much life insurance coverage you need, there are many factors to keep in mind. What do you want for your family in the event of the unexpected? What are the needs of your family later in life? How much do you want your premium to be? These and many other questions are important to ask yourself before purchasing a life insurance policy. Consider using our free life insurance calculator to determine your family’s needs. Our agents are also here for you and specialize in helping you ensure your insurance needs are met. 

Who can help me learn more about life insurance? 

First, you will want to contact your Indiana Farm Bureau Insurance agent or find an agent online to talk with. They will help you figure out what is most important to you and help you determine how much protection your family needs. They will help you create a customizable policy that fits your needs and gives you peace of mind.  

How do I get a life insurance policy?

Once you contact your Indiana Farm Bureau Insurance agent or find an agent online, they will use their insurance expertise to guide you through all the steps of purchasing a life policy. The steps to obtaining a life insurance policy include: 

• Using the life insurance calculator to complete an analysis to determine how much coverage your family needs  

• Determining what type of life insurance is best for you 

• Calculating the amount of monthly income you can comfortably apply toward your premiums 

• Contacting or finding a local Indiana Farm Bureau Insurance agent to start your application 

• Understanding that depending on your age and how much protection you are applying for, you may have specific underwriting requirements that need to be completed (e.g. an oral swab, a medical exam or a personal history interview)  

Want to learn more? Contact an agent or call 800-723-3276. Once your life insurance application is approved, your agent will receive the policy and will meet with you to deliver and review it.  

At Indiana Farm Bureau Insurance, our agents specialize in working with you to find the best life insurance policy to protect your family if the unexpected happens. Life insurance is not just an insurance policy; it’s peace of mind for you and your family.