No one wants to think about life insurance. It means thinking about not being with your family and death. It’s a topic most people avoid, but death is unavoidable, so it’s best to prepare for the end. Especially if you want your family to be safe and whole when you’re gone -- whether they stay in Ohio or move away.
In Ohio, Life Insurance can be purchased in two ways -- as an individual or as part of a group policy, usually through an employer. However it’s offered, it’s an important step in securing your family's future.
Who Needs an Ohio Life Insurance Policy?
- Single and married people
- Wage earners
- Stay at home parents
- Divorced people
What Does an Ohio Life Insurance Policy Do?
In Ohio, Life Insurance is designed to help your family during the most devastating time of their life: the aftermath of your passing. A life insurance policy helps your loved ones maintain financial stability during a difficult time. It can be used in multiple ways:
- Pay the funeral costs
- Pay the mortgage
- Maintain college educations
- Allow family members to take time off work
- Maintain family caregivers for elderly or in-need relatives
- Pay the bills or pay off debt
As an individual you can choose from whole or term life insurance. Here at SFM Insurance, we’re happy to sit down with you and give you all your options including a free quote.
Ohio Voluntary Payroll Deduction Life Insurance
If you own a business in Ohio and want to provide benefits to your employees, a life insurance policy is an excellent option. Instead of the standard group life insurance, you can offer your employees Voluntary Payroll Deduction Life Insurance. Your employees own and pay for their coverage. Even better, it’s portable, so if they leave their job, they don’t lose their coverage. You’re offering peace of mind and control to your employees. Your employee can also choose their beneficiaries.
If you want to increase your employee benefits package and offer life insurance, contact SFM Insurance. We’re happy to discuss your options and give you all the information you need to choose the best package for your company and employees.
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Additional Coverage to Consider
Thanks to subsidies from the federal government and employee health coverage, insurance doesn’t have to be out of reach. You may just need help finding the right Ohio Health Insurance plan.