You’re probably aware of the value of life insurance, but have you given thought to why it’s so important? Life insurance isn’t actually about your life so much as it is about your family’s lives—specifically, how they will live on if something happens to you. To protect the ones you love from financial hardship, Comaltex Insurance Agency of New Braunfels, TX, is here to help you make an important decision regarding the life insurance policy that’s best for you.

Here are four important things to know before securing a life insurance plan:

• Life Insurance Covers Final Expenses: The last thing you want to do is leave your loved ones with the burden of paying off your debts. An indemnity policy allows for financial security beyond the grave by covering funeral costs and bills. 
• Indemnity Has Living Benefits: Whole life insurance policies enable you to cash out earned interest while you are still alive. The extra money can be used for everything from unexpected expenses to planned vacations.
• Term Life Insurance Is Great For The Young And Old: With term policies, mature policyholders can gain peace of mind knowing their financial obligations will be covered in the event of death. Young adults can also benefit from this insurance, as the policies are substantially cheaper than whole life insurance.
• An Insurance Agency Favors Early Planning: While they will gladly take care of you at a mature age, agencies prefer clients to invest in a life insurance policy when they are still young. In fact, insurance companies offer lower rates to those who purchase policies before celebrating their 30^th birthday. 

With professional advice, you can secure a life insurance policy in advance, with full knowledge of your decision. To learn which policy is best for you, call Comaltex Insurance Agency in New Braunfels at (830) 625-7511 or visit their website for more information.