Sentences with phrase «need life insurance for your children»

If you can look at it from this perspective, it can help you determine if you need life insurance for your children now, or if you need to protect other sources of income or secure other areas first.

You don't need life insurance for your children as they do not have dependents that need financial care once they are gone.

Not exact matches

Parents of a disabled child who will need ongoing support such as medical care or assisted living, however, will need to purchase cash - value insurance, advised James Hunt, a life actuary for the Consumer Federation of America and founder of website Evaluatelifeinsurance.org.

Another example would be a young widow with small children receiving a lump - sum settlement from her husband's life insurance policy and can not risk losing the principal; although growth would be nice, the need for cash in hand for living expenses is of primary importance.

A whole life insurance policy may be purchased to supplement term life insurance to cover final expenses, protect a special needs child, or to provide tax advantages for large estates.

What life insurance can do for you: Life insurance can provide for the well - being of a special - needs or disabled chlife insurance can do for you: Life insurance can provide for the well - being of a special - needs or disabled chLife insurance can provide for the well - being of a special - needs or disabled child.

If you have limited resources to devote to life insurance or you only need coverage for a limited period (e.g., until your children finish college), term insurance may be the right choice for you.

I don't think it's so much about the levites being paid for their service it's about us doing what's right toward Pastors that must feed and tend to the flock of GOD if GOD has called them.JESUS even said in luke 10:7 that the laborers are worthy of their wages.In luke 8 1 - 4 it's says even JESUS HIMSELF recieved financial support from the women who ministered to him with their possessions.Now most people today would say he should have been ashamed of taking money from those poor women but JESUS accepted their support and they was blessed for sowing onto the LORD»S work.1 Corinthains 9:1 - 15 says dint muzzle the ox while it tread out the grain was GOD talking about oxes no he was talking about those who labor in the ministry.Who goes to war at their own expense.Or who goes to war but pay for their clothes, guns, etc.No one because the goverment if that country provide these things because of the soilders service.Who plants a vineyard and don't eat from it.Who tends a flock and don't drink the milk of it.I think it's just spiritual sense to support a pastor that's teaching you the word, casting out devils, laying hands and healing is manifesting in people lived, going to hospitails, prisons, and house calls to pray for the sick and shut in, going to graduations and funnerals, praying and fasting for himself and the flock.I think a person who think a pastor shouldn't be paid for their service either don't know they need to be paid and need to be taught or they are demonic in their thinking and either hate GOD, PASTORS, AND GOD»S PEOPLE.Why do nt you hear people saying anything against the dope dealers, strip clubs, dope houses, liquor stores, etc.It's only when people give into the LORD»S work that evil minded or misinformed people have a problem with it.No sir we don't have to use the old testament to show that we should support out pastors.You don't use the law, love tells me to support the pastor.Under the new testament LOVE is the greatest of all.Love for GOD and man.If GOD asked for 10 percent under the law to support the levites who didn't have all the responsibilities of Pastor today.Church rent, gas for vans of thd church, insurance fir the church and church vehicles, feeding and clothing the poor, light, gas, and water bill, mantience on the church or vehicles, not to mention the Pastor own house, cars, children, insurance, etc.If would be foolish for one to think that a pastor should take care if his house and GODS HOUSE without people supporting the work of the KINGDOM OF GOD.If we love GOD we are going to support HIS KINGDOM and HIS PASTOR.If under the law GOD asked for 10 percent how much should we give under the LOVE COVENANT?Example I love my wife and if I had 300 dollars I would surley give her more that 10 percent which would be 30 dollars because I love her.The law says you must give LOVE says I chose to give because I love GOD and man.Again we don't have to use the law just love and spiritual sense because hate and a carnal senses will not understand.Now I have given you scriptures please do the same when you respond not your opinion.Please respond right away I await your answer.GOD BLESS.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

«From canvassing for the Children's Defense Fund to creating the Children's Health Insurance Program, Hillary Clinton has spent her life being a champion for children in need,» MinChildren's Defense Fund to creating the Children's Health Insurance Program, Hillary Clinton has spent her life being a champion for children in need,» MinChildren's Health Insurance Program, Hillary Clinton has spent her life being a champion for children in need,» Minchildren in need,» Miner said.

Chuck owes Larry the biggest of favors, which Larry decides to cash in when he needs to get married in a hurry to prevent his children from falling victim to a loophole that would see them left with nothing should they need beneficiaries for his life insurance, since they won't have a parent or guardian for it to be left to.

If there is anyone who relies on your income for survival (spouse, children, aging parents), then you need life insurance coverage.

A whole life insurance policy may be purchased to supplement term life insurance to cover final expenses, protect a special needs child, or to provide tax advantages for large estates.

Young, healthy individuals with families typically need enough life insurance coverage to pay off a home mortgage and other outstanding debt and provide some income replacement for their spouse and children.

If stay - at - home parents have life insurance coverage and pass away, the life insurance death benefit would allow the surviving spouse to take much needed time off work to spend with the children and help pay for services that the stay - at - home parent lovingly provided.

Term life insurance is not available as a standalone policy on children (because the term would likely be over by the time they needed income replacement for their own families), but a permanent policy will last their lifetime so long as the premiums are paid.

I am not advocating that children need life insurance for the standard reasons that most people believe.

In the case of life insurance for special needs planning, if you would like a child who requires lifelong special assistance to benefit from insurance proceeds, it is important to take steps to make sure these proceeds don't disqualify the child from receiving government assistance.

However, we need to open our minds here on what it is means to invest in the best life insurance for the benefit of our children.

Those against life insurance for children will state that insurance is only for replacing lost income or covering debts, and since a child has no income or debts, he or she does not need coverage.

Special needs planning with life insurance is a great way to provide for your child when you are no longer able to.

Just because your child has student loan debt doesn't mean you automatically need to be shopping for life insurance for them.

For a special needs child, who might not otherwise be insurable, the child rider is an essential addition for a parent who is buying a term life insurance poliFor a special needs child, who might not otherwise be insurable, the child rider is an essential addition for a parent who is buying a term life insurance polifor a parent who is buying a term life insurance policy.

People that opt for permanent life insurance at an early age often find that because premiums are higher than with term life insurance, they skimp and buy less insurance than they really need to replace lost wages, pay off a mortgage or pay for their children's college education if they die.

Although term life insurance is oftentimes referred to as «temporary» insurance, this type of coverage can be a good alternative for those who want to ensure that the balance of a home mortgage is paid off, and / or for those who want to make sure that a child or grandchild has the funds they need for college — even in the event of the unexpected.

A — To estimate how much life insurance you need, consider the following: The amount needed to pay off your debts; any final expenses and taxes that will be owing on your death; the amount your family will need to maintain its lifestyle; and education costs for children.

Because their child is likely to need special care for the remainder of his life, Tim decides on whole life insurance to make sure the family will always be financially protected.

Life insurance death benefits can be used for final expense needs, college funding for children, salary continuation for the surviving spouse, philanthropic donations to a favorite charity, and obviously to pay off any personal or business debts.

Life Insurance Benefit: In case of the unfortunate event of death of the life insured, the nominee will receive Higher of (110 % of Sum Assured for Money Back option and 125 % of Sum Assured for Endowment option) or 11 times the base annualized Premium to support your child in a time of nLife Insurance Benefit: In case of the unfortunate event of death of the life insured, the nominee will receive Higher of (110 % of Sum Assured for Money Back option and 125 % of Sum Assured for Endowment option) or 11 times the base annualized Premium to support your child in a time of nlife insured, the nominee will receive Higher of (110 % of Sum Assured for Money Back option and 125 % of Sum Assured for Endowment option) or 11 times the base annualized Premium to support your child in a time of need.

If you have people in your life who rely on you for financial support, such as a partner or dependent child, having life insurance is one way to make sure their financial needs are taken care of if something were to happen to you.

There are very few needs in life for permanent insurance, and most people find themselves not requiring life insurance after their home mortgages are paid off and their children are grown.

Term insurance is useful if you can afford only a low - cost option or you need life insurance only for a certain amount of time (such as until your children graduate from college).

Paying for life insurance on children is a decent investment unless you're made of money to pay for a funeral and can afford to take months of if need be for grieving time.

Keep in mind that as your life changes (for example, marriage, birth of a child or a job promotion), so will your life insurance needs.

A term life insurance policy may work for you if you only need coverage for a limited amount of time (such as when your children are young), especially since permanent life insurance can be more expensive than term life plans.

As your children grow up, though, you might not need the extra insurance (although sometimes life insurance for seniors might be necessary).

This works well for insured people if the term ends after most of their obligations — mortgage, student loans, children's education and so on — are no longer an issue and they don't need that extra level of protection that life insurance offers.

Also, there might be a need for specific special needs planning with life insurance in order that a child with special needs is protected financially upon the death of both parents.

• The spouses» income and ownership of property • The spouses» present and future earnings • The spouses» education and training levels • The hinderance of one spouse's job - seeking ability by the other spouse (for example: domestic violence) • The children's residency • The maintenance - seeking spouse's ability to support self • The spouses» living conditions prior to marriage • The maintenance - seeking spouse's lack of income due to remaining home to raise the children instead of being gainfully employed • The children's extra expenses (for example: schooling, day care or medical expenses) • Providing care for disabled children, adult children, elderly parents or in - laws • The maintenance - seeking spouse's contributions to the marriage (for example: becoming a homemaker and not receiving a fixed income) • Either spouse's loss of assets due to a risky behavior • Loss of health insurance benefits due to the divorce (The maintenance - seeking spouse will need to obtain insurance.

Simply speaking, if you need two people to pay for your mortgage, provide for your children, or maintain your retirement lifestyle, then joint term first - to - die life insurance may be for you.

A lot of the time you will not need to purchase car insurance for your child, or officially add your child to your policy, as long as the driver is a teenager living at home.

Many people feel that the only people who need life insurance coverage are those who have children and / or other dependents who rely on them for their financial support — and, in most instances, this primarily includes those who are young, as well as those who may be in their peak earning years.

So, if you and your partner have saved enough money for your retirement and your children are now working, you might not have the need for life insurance in the future.

Many people believe that when a person gets older and no longer has small children who are counting on their income for support, that they also no longer have a need for life insurance protection and that they should cancel their existing life insurance coverage.

However, as author Tony Steuer states in his 2010 book, Questions and Answers on Life Insurance, «Term insurance is generally agreed to be an excellent short - term solution to a temporary need for life insurance coverage -LSB-...]» The number of reasons someone might require or opt to purchase temporary life insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just the ticLife Insurance, «Term insurance is generally agreed to be an excellent short - term solution to a temporary need for life insurance coverage -LSB-...]» The number of reasons someone might require or opt to purchase temporary life insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just thInsurance, «Term insurance is generally agreed to be an excellent short - term solution to a temporary need for life insurance coverage -LSB-...]» The number of reasons someone might require or opt to purchase temporary life insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just thinsurance is generally agreed to be an excellent short - term solution to a temporary need for life insurance coverage -LSB-...]» The number of reasons someone might require or opt to purchase temporary life insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just the ticlife insurance coverage -LSB-...]» The number of reasons someone might require or opt to purchase temporary life insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just thinsurance coverage -LSB-...]» The number of reasons someone might require or opt to purchase temporary life insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just the ticlife insurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just thinsurance are nearly as varied as the individuals themselves; from young people first asserting financial independence to entrepreneurs, from empty nesters with children in college, and a plethora of others, term life insurance may be just the ticlife insurance may be just thinsurance may be just the ticket.

You only need to carry life insurance until your oldest child moves out (or finishes college, if you want to help provide for higher education) or you will have saved enough to provide for your family if you die.

Offers a great strategy for those who have a temporary need for life insurance, such as a mortgage or to cover college tuition costs for children, if you should die

Insurers of different states come out with various versions of a child life insurance policy or a child term rider, therefore, it would be prudent to discuss your child's needs with your insurance advisor before opting for particular child insurance.

Therefore, a term life insurance policy may be a good coverage choice for those who are wanting to cover certain needs such as paying off a mortgage or funding a child's or grandchild's future college education expenses.

A term life policy is often the choice when your life insurance protection needs are higher for a period of time, then drop down to lower levels in later years, such as when your children are grown up and on their own.