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Life insurance is an essential part of your family's financial program. If the unexpected happens, life insurance can give your spouse and children peace of mind, knowing that money is one thing they don't have to worry about. Bills can add up rapidly, and without a life insurance policy your family may not be able to keep up if your income is lost. A life insurance policy can pay a mortgage, cover future education costs, and take care of final expenses. There are two types of life insurance; term and permanent. A term policy offers coverage for a set period of time at an affordable price. Maybe you just want to make sure that your family is protected until your house is paid off, or your children are out on their own. In that case, a term policy may be your best choice. A permanent policy offers coverage for your entire lifetime and gives you the opportunity to build cash value. If you need something with more flexibility in payment options, a permanent policy may be your best choice. Schoen Insurance Agency can help in determining your goals for the future, and the future of your family, and which type of life insurance policy will best support those goals.