Zawada Insurance is your Massachusetts life insurance company. A great deal of people with a spouse and or children ask themselves the following question. Do I actually need life insurance, is it worth it? The answer is a strong and loud yes. The bottom line is that purchasing life insurance protects your family from financial based loss if something should happen to you during your earning years. In essence, life insurance provides your family members with financial security should you happen to pass away.

They can use the funds to pay for living expenses, to help pay off debts, and to help pay for medical expenses to name a few things. Your family can also use the money to pay for your final expenses. Life insurance provides money to your family when they need it the most. Here’s how it works. When you pass away, your family will receive your insurance policy payout right away. In further good news, your death benefit is typically non-taxable. So, if your life insurance policy is for $1 million, your family will actually receive $1 million.

The best thing about life insurance on your end, is that it provides you with the peace of mind of knowing that your family will be financially secure upon your death. For example, you can count on your life insurance policy being there to protect your family, especially if you’re the breadwinner. Your family depends on your income to survive. It pays for the necessities like food, shelter, clothes and transportation. Now imagine the following scenario for a minute or two. You pass away suddenly and leave behind a spouse and a child or children under the age of eighteen.

You don’t have a life insurance policy in place. How long can your family afford to live off of savings? Will they need to sell the house if you own it? Can they afford to stay in the rental unit if you rent it? You certainly don’t want your family to be forced to uproot when already dealing with the stress of your untimely demise. You also don’t want to worry about how your family will survive overall from a financial standpoint if you happen to die, especially if you die suddenly. Peace of mind is well worth the cost of your life insurance premium.

If you have a spouse and or children in the Commonwealth of Massachusetts, then you need to ensure that you have the proper insurance coverage in place. We can help you get the best deal on all of your personal and or business insurance needs.  Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies.

If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business-related insurance needs now and in the future.