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Life Insurance

Protect your family with affordable and flexible life insurance coverage from IR Family Life. 

Your Risks, Our Solutions

Reasons to Purchase Life Insurance

Keeping a Home in the Family

Jason and Amy are raising a family while paying down their mortgage. Whatever happens, they don’t want their children to lose their home or be burdened with their debt.

What’s the answer?

Jason and Amy purchased 30-year term life insurance policies to pay off their mortgage. Their wish is to have the home passed down to their children. 

Suggested Solution

Term Life

Provides coverage of a fixed death benefit amount for a specific period of time.

Innovative & Collabrative

David is the primary wage-earner for his family and worries about a time he might not be there anymore. He wants to ensure his family isn’t burdened by costs for his funeral or unpaid medical bills.

What’s the answer?

David purchased a permanent life insurance policy from IR Family Life to provide the funds necessary to pay final expenses. He feels better knowing it might help ease their pain during a stressful time.

Suggested Solution

Whole Life

Guaranteed protection with flexible coverage amounts and payment options.

Safeguarding Your Family’s Lifestyle

John and Lisa each contribute to their household of seven. They want to make sure the income they provide today is there for the family should something happen to either of them.

What’s the answer?

20-year term life plans from IR Family Life put John and Lisa’s concerns to rest. Each policy can be used to help pay off debt and pay the monthly bills in order to maintain the family’s lifestyle. 

Suggested Solution

Term Life

Provides coverage of a fixed death benefit amount for a specific period of time.

What if College Dreams are Cut Short?

James and Mary are proud of their daughter who is in college. They hate to think about it, but what if something was to happen to her? Could they pay off the student loans they cosigned?

What’s the answer?

College loan protection coverage can protect James and Mary from the added heartache of paying college debt. The 20-year term life insurance policy they selected can be used to pay off student loans.

Suggested Solution

Term Life

Provides coverage of a fixed death benefit amount for a specific period of time.

Like many of us, Michael is looking for a safe way to ensure his dreams of a comfortable retirement become reality. He is planning to save for the future and wants to guarantee an income during his retirement years.  

What’s the answer?

Michael wasn’t sure where to start so he talked to his local IR agent. IR Family Life offers several retirement savings options like annuities, Individual Retirement Accounts (IRAs) and life insurance planning for businesses. 

Suggested Solution


Use a combination of annuities and IRA’s to provide a steady income stream that you can't outlive.

Barbara has worked hard to build a good life and wants to leave behind a legacy that matters. She would like to establish a plan that would help her family financially and ensure charitable gifts to her favorite organizations. 

What’s the answer?

Barbara purchased a permanent life insurance policy from IR Family Life that will provide for her family and her favorite charities. It offers guaranteed cash value accumulation and a guaranteed death benefit.

Suggested Solution

Universal Life

Combines the affordability of term insurance with the long-term security of permanent life insurance.

Karen and Susan are business partners who put their heart and soul into making sure their business thrives. They want to be prepared in case something should happen to one of them or to a key employee.

What’s the answer?

Karen and Susan talked to their IR agent about how to use life insurance for smart business planning. They purchased a universal life policy to provide funding for a buy-sell agreement and key person protection.

Suggested Solution

Business Life

IR Family Life provides insurance solutions for business owners to keep a business going if tragedy strikes.

Calculate Your Needs

How much would you need to leave behind?

Estimate your coverage needs with our life insurance calculator. Fast, private, and no obligation to send to an agent.

Facts of Life Insurance

It's more affordable than you think.

Why buy life insurance?
It costs $245k

to raise a child.

It costs about $9k

for a modest funeral.

It can cost only $14.24

per month for $250,000 in life insurance.

Sources: US Dept. of Agriculture, National Funeral Directors Association, IR Family Life


See how different types of Life Insurance stack up.

Term Life Select from a 10-, 15-, 20- or 30-year plan to protect. People who need cost-effective protection for loved ones left behind.
Whole Life Protection with premiums and coverage that are guaranteed to remain the same for your lifetime. People who need a permanent life insurance solution that is fully guaranteed.
Universal Life Entire life protection; includes a policy cash value with flexible payment schedule. People who need:
  • College savings
  • Estate planning
  • Business planning
  • Additional retirement savings
IRxpress Life Easy-to-get, easy-to-afford life insurance with coverage up to $500,000 with a simple application process and faster approval time. People who need affordable life insurance and protection for loved ones left behind

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