{"id":99,"date":"2024-05-29T04:00:00","date_gmt":"2024-05-29T10:00:00","guid":{"rendered":"https:\/\/www.alancaster.com\/blog\/?p=99"},"modified":"2024-05-29T13:08:07","modified_gmt":"2024-05-29T19:08:07","slug":"which-family-members-need-life-insurance","status":"publish","type":"post","link":"https:\/\/www.alancaster.com\/blog\/which-family-members-need-life-insurance\/","title":{"rendered":"Which Family Members Need Life Insurance?"},"content":{"rendered":"<p>Considering which family members need life insurance can be uncomfortable for many people. Nevertheless, the best approach for making these decisions comes by considering each person&rsquo;s financial contributions and obligations to the family. If you need help making life insurance decisions and live in or near Memphis, TN, consider working with our Anthony Lancaster Insurance Inc. team.<\/p>\n<h2><strong>Insuring Family Members<\/strong><\/h2>\n<p>Deciding which family members need life insurance involves considering their family role and the financial impact of their potential loss. The questions below can help determine whether specific family members should be insured and the estimated value of the needed insurance.<\/p>\n<ul>\n<li><strong>Breadwinners<\/strong>: Who are&nbsp;the family&rsquo;s primary breadwinners? How would the family cope without their income?<\/li>\n<li><strong>Caretaker<\/strong>: Does the individual care for children, aging adults, or other family members? How much would it cost to pay others to substitute for their care?<\/li>\n<li><strong>Legacy<\/strong>: Is there a desire to leave money for the next generation?<\/li>\n<li><strong>Health<\/strong>: Is there a family history of health issues, or does a child have health issues that could affect their ability to acquire life insurance as an adult?<\/li>\n<li><strong>Final Expenses<\/strong>: Do you have the resources to pay the funeral and related expenses without insurance?<\/li>\n<li><strong>Business Partner<\/strong>: Is there a shared business interest with the individual? What is the business succession plan?<\/li>\n<li><strong>Debtor<\/strong>: Do you or your family members have debts, including to one another?<\/li>\n<\/ul>\n<p>Answering each question and considering the financial implications of the answer will be helpful when deciding your insurance needs.<\/p>\n<h2><strong>Working with Anthony Lancaster Insurance Inc.<\/strong><\/h2>\n<p>There are many reasons to insure family members&rsquo; lives. Our Anthony Lancaster Insurance Inc. team, serving the Memphis, TN, area, can help you make the decisions that meet your family&rsquo;s needs. Call us today at (901) 754-3331 to schedule an appointment.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Considering which family members need life insurance can be uncomfortable for many people. Nevertheless, the best approach for making these decisions comes by considering each person&rsquo;s financial contributions and obligations to the family. If you need help making life insurance decisions and live in or near Memphis, TN, consider working with our Anthony Lancaster Insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[12,10],"class_list":["post-99","post","type-post","status-publish","format-standard","hentry","category-life-insurance","tag-anthony-lancaster-insurance-inc-2","tag-memphis-tn"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Considering which family members need life insurance can be uncomfortable for many people. Nevertheless, the best approach for making these decisions comes by considering each person\u2019s financial contributions and obligations to the family. 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