Life insurance is a smart way to protect your family’s financial future — but before you choose a policy, there are a few important things to consider. Here’s what you need to know before you buy:

1. Understand the Types of Life Insurance

There are two main types: term life (coverage for a set number of years) and whole life (lifetime coverage with a cash value component). Know which one aligns with your goals and budget.

2. Calculate How Much Coverage You Need

Think beyond just replacing your income. Consider debts, future expenses (like college tuition), and your family’s lifestyle needs.

3. Consider Your Budget

Term life is typically more affordable, while whole life offers lifelong protection but at a higher cost. Choose a policy you can comfortably maintain long-term.

4. Check the Insurer’s Reputation

Always buy from a trusted, financially stable insurance provider. Look at reviews, ratings, and customer service history.

5. Don’t Wait Too Long

Life insurance is generally cheaper the younger and healthier you are. Waiting can mean higher premiums or limited options.

Final Thought

Buying life insurance is a key step in planning for your family’s future. Still have questions? Contact Sageline Insurance for expert guidance and personalized recommendations.