Life

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Located in 217 W. Jefferson, Effingham, IL 62401  
217-342-3637
Request an Appointment
Located in 217 W. Jefferson,
Effingham, IL 62401  
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Benefit From Our Comprehensive
Life Insurance Policies

Life Insurance. It’s not for you… It’s from you.

People don’t buy life insurance because they need it; they buy it because they love someone. They want to make sure their loved ones will be protected financially if something happens to them.

Life happens in a heartbeat. That’s why there is life insurance. Hopefully, you won’t need Life Insurance for many years to come, though no one ever knows exactly when they’ll need it. Take time to research the right life insurance for you. When the day comes, the people you care about will be grateful for your care in planning their future.
Life insurance

What is Life Insurance?

  • Life insurance provides financial security for your family at the time of your death. It will cover funeral expenses and outstanding debts and replace your salary so you can continue to provide for your family even after you are gone. In some cases, life insurance will also cover your long-term care before you pass away. 
  • Life insurance gives your family options. And it’s less expensive than you might think. Studies consistently show that the average person overestimates the cost of life insurance by more than two times. Depending on your age and health, it can cost less than $15.00 per month for $250,000 of coverage.
  • Life Products
    • Whole Life
    • Term
    • Universal

Important Reasons to get Life Insurance Right Away!

Provide Financial Security for your spouse, partner, and dependents.
  • One of the most common reasons to get life insurance is to provide for the financial security of your spouse, partner, or children in the event of your unexpected death. Your life insurance payout will help them cover regular living expenses such as utilities, groceries, and education for years to come.
Cover living expenses for your dependents
  • Whether it's for daycare, school field trips, or medical expenses, your spouse, partner, or children's guardian will appreciate the financial help you leave behind. The cost of clothes and shoes for growing boys and girls adds up. As teens, your kids will pack away a week's worth of groceries in about three hours.
Pay off your debt so others don't have to
  • Another one of the most common reasons to get life insurance is to cover your mortgage, car payments, and other substantial debts. If you and your partner rely on two incomes, or especially if you rely solely on your income to pay a home or car loan, life insurance will prove essential in ensuring your partner can continue to cover those bills.
Stay-at-home parents are breadwinners, too
  • When there is no paycheck or W-2 form, it's easy to overlook the financial security a stay-at-home parent brings to the family. A stay-at-home mom or dad is also a cook, housekeeper, taxi service, and so much more.
Cover your co-signers
  • These don't seem like great reasons to get life insurance if you're single and don't have any children, a mortgage, or credit card debt. In fact, student loans might be the only debt you have. There's just one catch.
  • If you pass away, the cosigner on your student loans in on the hook for your debt. You don't want to leave that $140,000 grad school loan to your aging parents or that family friend with good credit who helped out, do you?
Think about your future
  • Even if you are single and debt-free now, that may not be the case forever. Investing in life insurance at a young age will set you up for your future and the well-being of your future loved ones.
 Save your money
  • Under normal circumstances, the younger you are when you buy life insurance, the less expensive it is. The longer you wait, the greater the premiums will be. The average cable bill is a lot higher than a life insurance premium
You may need emergency funds
  • Some life insurance policies can double as emergency funds. If you find yourself in financial straits, you can borrow from the cash value of your policy. While this lowers the benefits available if something happens to you, it is a short-term solution if you need it. 
  • Take time to research the right life insurance for you. When the day comes, the people you care about will be grateful for your care in planning for their future.
  • Speaking of planning ahead (for the much distant future, we hope), no one wants to leave their family with financial stress and the burden of debt and funeral expenses. Make it easier for your family by investing in life insurance today!
Schedule a FREE consultation regarding your life insurance policies. Call 217-342-3637
Trust the dependable professionals at Tingley Insurance Agency to provide you with life insurance policies that can make life easy for you and your family.
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