{"id":153,"date":"2011-05-26T16:54:32","date_gmt":"2011-05-26T22:54:32","guid":{"rendered":"http:\/\/www.jedwardknight.com\/newsite\/?page_id=153"},"modified":"2024-10-27T21:11:05","modified_gmt":"2024-10-28T03:11:05","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.jedwardknight.com\/insurance-maine\/insurance\/personal-insurance\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"section\" data-elementor-id=\"52818\" class=\"elementor elementor-52818\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-685aeae5 e-con-full e-flex e-con e-parent\" data-id=\"685aeae5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f1d9469 e-con-full e-flex e-con e-child\" data-id=\"f1d9469\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0615228 e-con-full e-flex e-con e-child\" data-id=\"0615228\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca02a29 elementor-widget__width-inherit elementor-hidden-tablet elementor-hidden-mobile elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"ca02a29\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6e6e7 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"5f6e6e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protect Your Loved Ones with Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34b4a08 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"34b4a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPLAN NOW\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLife insurance is a vital tool to safeguard your loved ones' financial well-being. At J. Edward Knight Insurance, we understand the importance of planning for the unexpected. Through a special carrier partnership, our concierge program can help you find the right life insurance policy to meet your specific needs and budget.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-090dcf6 elementor-widget__width-initial elementor-widget elementor-widget-icon-box\" data-id=\"090dcf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGET STARTED\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTo get started, simply complete this simple form and our concierge partner will reach out to you within 48 hours (business days) to help you find the right option for your life insurance needs to help protect your family's future.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bc3f8d e-con-full e-flex e-con e-child\" data-id=\"7bc3f8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<!-- dce invisible element 132d317 -->\t\t<div class=\"elementor-element elementor-element-657a639 uael-gf-check-yes uael-gf-check-default-yes uael-gf-button-center uael-gf-error-yes uael-gf-btn-size-md uael-gf-style-box uael-gf-input-size-sm elementor-widget elementor-widget-uael-gf-styler\" data-id=\"657a639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-gf-styler.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"uael-gf-style uael-gf-check-style elementor-clickable\">\n\t<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_11' style='display:none'><div id='gf_11' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data'  id='gform_11'  action='\/insurance-maine\/wp-json\/wp\/v2\/pages\/153#gf_11' data-formid='11' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_page_11_1' class='gform_page ' data-js='page-field-id-0' >\n\t\t\t\t\t<div class='gform_page_fields'><div id='gform_fields_11' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_11_21\" class=\"gfield gfield--type-section gfield--input-type-section gsection field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><h3 class=\"gsection_title\">Your Contact Info<\/h3><\/div><fieldset id=\"field_11_1\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Proposed Insured Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_11_1'>\n                            \n                            <span id='input_11_1_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_1.3' id='input_11_1_3' value='' tabindex='2'  aria-required='true'     \/>\n                                                    <label for='input_11_1_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_11_1_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_1.6' id='input_11_1_6' value='' tabindex='4'  aria-required='true'     \/>\n                                                    <label for='input_11_1_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_11_4\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_4'>Contact Phone Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_11_4' type='tel' value='' class='large' tabindex='6'  aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_11_3\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_3'>Email Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_3' id='input_11_3' type='email' value='' class='large' tabindex='7'   aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                         <input type='button' id='gform_next_button_11_28' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next' tabindex='8' \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_11_2' class='gform_page' data-js='page-field-id-28' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_11_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><fieldset id=\"field_11_24\" class=\"gfield gfield--type-date gfield--input-type-date gfield--input-type-datefield gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Date of Birth<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div id='input_11_24' class='ginput_container ginput_complex gform-grid-row'><div class='gfield_date_month ginput_container ginput_container_date gform-grid-col' id='input_11_24_1_container'>\n                                            <input type='number' maxlength='2' name='input_24[]' id='input_11_24_1' value='' tabindex='9'  aria-required='true'   placeholder='MM' min='1' max='12' step='1'\/>\n                                            <label for='input_11_24_1' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Month<\/label>\n                                        <\/div><div class='gfield_date_day ginput_container ginput_container_date gform-grid-col' id='input_11_24_2_container'>\n                                            <input type='number' maxlength='2' name='input_24[]' id='input_11_24_2' value='' tabindex='10'  aria-required='true'   placeholder='DD' min='1' max='31' step='1'\/>\n                                            <label for='input_11_24_2' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Day<\/label>\n                                        <\/div><div class='gfield_date_year ginput_container ginput_container_date gform-grid-col' id='input_11_24_3_container'>\n                                            <input type='number' maxlength='4' name='input_24[]' id='input_11_24_3' value='' tabindex='11'  aria-required='true'   placeholder='YYYY' min='1920' max='2027' step='1'\/>\n                                            <label for='input_11_24_3' class='gform-field-label gform-field-label--type-sub screen-reader-text'>Year<\/label>\n                                       <\/div>\n                                   <\/div><\/fieldset><fieldset id=\"field_11_19\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Gender M\/F<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_11_19'>\n\t\t\t<div class='gchoice gchoice_11_19_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_19' type='radio' value='Male'  id='choice_11_19_0' onchange='gformToggleRadioOther( this )'  tabindex='12'  \/>\n\t\t\t\t\t<label for='choice_11_19_0' id='label_11_19_0' class='gform-field-label gform-field-label--type-inline'>Male<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_11_19_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_19' type='radio' value='Female'  id='choice_11_19_1' onchange='gformToggleRadioOther( this )'  tabindex='13'  \/>\n\t\t\t\t\t<label for='choice_11_19_1' id='label_11_19_1' class='gform-field-label gform-field-label--type-inline'>Female<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_11_26\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Smoker\/Tobacco<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_11_26'>\n\t\t\t<div class='gchoice gchoice_11_26_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_26' type='radio' value='Yes'  id='choice_11_26_0' onchange='gformToggleRadioOther( this )'  tabindex='14'  \/>\n\t\t\t\t\t<label for='choice_11_26_0' id='label_11_26_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_11_26_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_26' type='radio' value='No'  id='choice_11_26_1' onchange='gformToggleRadioOther( this )'  tabindex='15'  \/>\n\t\t\t\t\t<label for='choice_11_26_1' id='label_11_26_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_11_27\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_27'>If Yes... Type<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_27' id='input_11_27' type='text' value='' class='large'   tabindex='16'  aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_11_25\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_11_25'>Driver&#039;s License Number<\/label><div class='ginput_container ginput_container_text'><input name='input_25' id='input_11_25' type='text' value='' class='large'   tabindex='17'   aria-invalid=\"false\"   \/><\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_11_29' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous' tabindex='18' \/> <input type='button' id='gform_next_button_11_29' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next' tabindex='19' \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_11_3' class='gform_page' data-js='page-field-id-29' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_11_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><fieldset id=\"field_11_5\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Your Home Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_city has_state has_zip ginput_container_address gform-grid-row' id='input_11_5' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_11_5_1_container' >\n                                        <input type='text' name='input_5.1' id='input_11_5_1' value='' tabindex='20'   aria-required='true'    \/>\n                                        <label for='input_11_5_1' id='input_11_5_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_11_5_3_container' >\n                                    <input type='text' name='input_5.3' id='input_11_5_3' value='' tabindex='21'   aria-required='true'    \/>\n                                    <label for='input_11_5_3' id='input_11_5_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_11_5_4_container' >\n                                        <select name='input_5.4' id='input_11_5_4' tabindex='22'    aria-required='true'    ><option value='' selected='selected'><\/option><option value='Alabama' >Alabama<\/option><option value='Alaska' >Alaska<\/option><option value='American Samoa' >American Samoa<\/option><option value='Arizona' >Arizona<\/option><option value='Arkansas' >Arkansas<\/option><option value='California' >California<\/option><option value='Colorado' >Colorado<\/option><option value='Connecticut' >Connecticut<\/option><option value='Delaware' >Delaware<\/option><option value='District of Columbia' >District of Columbia<\/option><option value='Florida' >Florida<\/option><option value='Georgia' >Georgia<\/option><option value='Guam' >Guam<\/option><option value='Hawaii' >Hawaii<\/option><option value='Idaho' >Idaho<\/option><option value='Illinois' >Illinois<\/option><option value='Indiana' >Indiana<\/option><option value='Iowa' >Iowa<\/option><option value='Kansas' >Kansas<\/option><option value='Kentucky' >Kentucky<\/option><option value='Louisiana' >Louisiana<\/option><option value='Maine' >Maine<\/option><option value='Maryland' >Maryland<\/option><option value='Massachusetts' >Massachusetts<\/option><option value='Michigan' >Michigan<\/option><option value='Minnesota' >Minnesota<\/option><option value='Mississippi' >Mississippi<\/option><option value='Missouri' >Missouri<\/option><option value='Montana' >Montana<\/option><option value='Nebraska' >Nebraska<\/option><option value='Nevada' >Nevada<\/option><option value='New Hampshire' >New Hampshire<\/option><option value='New Jersey' >New Jersey<\/option><option value='New Mexico' >New Mexico<\/option><option value='New York' >New York<\/option><option value='North Carolina' >North Carolina<\/option><option value='North Dakota' >North Dakota<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Ohio' >Ohio<\/option><option value='Oklahoma' >Oklahoma<\/option><option value='Oregon' >Oregon<\/option><option value='Pennsylvania' >Pennsylvania<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Rhode Island' >Rhode Island<\/option><option value='South Carolina' >South Carolina<\/option><option value='South Dakota' >South Dakota<\/option><option value='Tennessee' >Tennessee<\/option><option value='Texas' >Texas<\/option><option value='Utah' >Utah<\/option><option 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             clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<!-- dce invisible element 64afc8b0 -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>Life Insurance throughout Maine<\/h2>\n<p style=\"font-size:110%;line-height:130%;\">\n<p style=\"font-size:110%;line-height:130%;\">\n<blockquote><p>Life insurance is simply protection to ensure that your family will have financial security when you pass away. If something should happen to you, how will they be able to continue doing the things they take for granted, such as live in a nice home, continue their education, or create a retirement nest egg without you?   Life insurance can help to provide the answer.  In this section, we&#8217;ll help you begin to think about Life insurance. We&#8217;ll take a look at the two basic types of Life insurance, how to achieve an appropriate level of Life insurance, how to read your policy, and how to address typical planning concerns.  All designed to provide you with a framework for considering how much life insurance you need.<\/p><\/blockquote>\n<p><strong>Defining Your Needs Is The Place To Start:<\/strong> <a class=\"iframe fancybox fancybox-iframe\" title=\"Life Insurance Calculator\" href=\"https:\/\/www.agencyinfo.net\/__ivphp\/life\/life_calculator.php\">Try Our Life Insurance Calculator<\/a><br \/>\n<img decoding=\"async\" class=\"alignright\" src=\"https:\/\/cdn.agencyinfo.net\/__ivwp\/images\/life-insurance2.jpg\" width=\"380px\" max-width=\"40%\" style=\"margin: 5px 5px 30px 30px; -moz-border-radius: 0px; border-radius: 0px;\" title=\"Life Insurance\" alt=\"Parent and child hiking boots on a dirt nature path\" \/><\/p>\n<h2>There are many reasons for purchasing life insurance:<\/h2>\n<p style=\"font-size:110%;line-height:130%;\">\n<ul type=\"square\">\n<li> Family protection to provide financial security to surviving family members on the death of the insured person.<\/li>\n<li> To pay for children&#8217;s education.<\/li>\n<li> Insurance to cover a particular need such as paying off a mortgage or consumer debt upon the insured&#8217;s death.<\/li>\n<li> Business insurance to compensate a company on the death of a key employee or to provide a surviving partner the resources to buy out the deceased partner&#8217;s share of the business.<\/li>\n<li> To provide funds to pay estate taxes or other final obligations necessary to settle a deceased person&#8217;s estate.<\/li>\n<li> To provide the funds necessary for the deceased person&#8217;s burial expenses.<\/li>\n<li> Accumulation of funds to supplement retirement income.<\/li>\n<\/ul>\n<p style=\"font-size:110%;line-height:130%;\">\n<p><br style=\"height:1em\" \/><br \/>\n&nbsp;<br \/>\n&nbsp;<\/p>\n<h2>Understanding The Basics<\/h2>\n<p style=\"font-size:110%;line-height:130%;\">\n<p><strong>What is life insurance?<\/strong><\/p>\n<p style=\"font-size:110%;line-height:130%;\">Life insurance is an agreement between you (the insured) and an insurance company (the insurer). Under the terms of a life insurance contract, the insurer promises to pay a certain sum to someone (a beneficiary) when you die, in exchange for your premium payments.<\/p>\n<p><strong>Why would you need life insurance?<\/strong><\/p>\n<p style=\"font-size:110%;line-height:130%;\">The most common reason for buying life insurance is to replace the income lost when you die. For example, say that you work, and your income is used to support yourself and your family. When you die, and your paychecks stop, the life insurance proceeds can be used to continue to support the family members you&#8217;ve left behind.<\/p>\n<p style=\"font-size:110%;line-height:130%;\">Another common use of life insurance proceeds is to pay off any debts you leave behind. For example, mortgages, car loans, medical bills, and credit card debts are often left unpaid when someone dies. These obligations must be paid from the assets left behind. This can deplete the resources that your family needs. Life insurance can be used to pay off these debts, leaving your other assets intact for your family to use.<\/p>\n<p style=\"font-size:110%;line-height:130%;\">Life insurance provides liquidity to your estate. When you die, you may leave some liquid assets (such as cash, CDs, and savings bonds), and some illiquid assets (such as real estate, an automobile, and stocks). Your liquid assets may not be enough to pay all the debts that you leave behind, plus all the expenses that arise because of your death (such as funeral expenses and estate taxes). Your illiquid assets may have to be sold in order to meet these obligations when they come due. This may cause a financial loss if the assets must be sold cheaply in order to get the money on time. Life insurance can avert this situation, because the proceeds are available almost immediately upon your death.<\/p>\n<p style=\"font-size:110%;line-height:130%;\">Life insurance creates an estate for your heirs. After your debts and expenses are paid, there may not be much left over for your family. Life insurance can automatically provide assets for them after your death. Life insurance is also a great way to give to charity when you die. You may have always had a great philanthropic desire, but not the means to make it a reality. Life insurance can do that for you.<\/p>\n<p style=\"font-size:110%;line-height:130%;\">Life insurance can even be a key element for specialized business applications, such as funding a buy-sell agreement. Under a buy-sell agreement, life insurance can be used to provide cash for the purchase of a deceased owner&#8217;s interest in the business. Finally, life insurance can be an investment vehicle. Some types of life insurance policies may actually make money for you, as well as provide the benefits described above. This can help you with long-term financial goals and strategies. What do you need to know about life insurance?<\/p>\n<p style=\"font-size:110%;line-height:130%;\">There are several kinds of policies that may be available to you. Term life insurance policies provide life insurance protection for a specific period of time or term. If you die during the coverage period, the beneficiary named in your policy receives the policy death benefit. If you don&#8217;t die during the term, your beneficiary receives nothing.  Common term policies last for 10, 15, 20 and even 30 years. Permanent insurance policies provide insurance protection for your entire life as long as the policy remains in force. In addition to the insurance protection provided, this type of policy also builds internal cash values, often described as a savings account within the policy.<\/p>\n<p style=\"font-size:110%;line-height:130%;\">The different kinds of permanent insurance policies:<\/p>\n<ul type=\"square\">\n<li> Whole life<\/li>\n<li> Ordinary level premium whole life<\/li>\n<li> Limited-pay whole life<\/li>\n<li> Current assumption whole life<\/li>\n<li> Adjustable life<\/li>\n<li> Universal life<\/li>\n<li> Joint life (first to die)<\/li>\n<li> Survivorship (second to die)<\/li>\n<\/ul>\n<p style=\"font-size:110%;line-height:130%;\">You also need to know that the cost of life insurance will depend upon the type of policy, your age, and your health at the point in time when the policy is issued.<\/p>\n<p style=\"font-size:110%;line-height:130%;\">A life insurance contract is made up of provisions, options, and riders. Provisions describe or explain features, benefits, conditions, or requirements of the contract. Options are features of the agreement that require you to make a choice regarding some aspect of coverage. Riders are additional coverage (or endorsements) offered by the insurer at the time of application and added to the standard agreement in return for an additional premium. Finally, you need to know the tax consequences of owning life insurance.<\/p>\n<ul type=\"square\">\n<li> Life insurance premium payments are not tax-deductible expenses.<\/li>\n<li> In general, the death benefit paid to the beneficiary is not included in gross income for federal income tax purposes, because it is paid with after-tax dollars.<\/li>\n<li> You must be very careful about who owns the policy and who the beneficiaries are, in order to avoid estate taxes on the proceeds when you die.<\/li>\n<\/ul>\n<p><br style=\"height:1em\" \/><\/p>\n<p><br style=\"height:4em\" \/><\/p>\n<div class=\"knowledgecenter-block-css\">\n<h4>Want to Learn More About Life Insurance?<\/h4>\n<p>Visit our site&#8217;s knowledge center, where you&#8217;ll find tips and information about insurance and how it benefits you.  Everything is categorized and easy to find.<\/p>\n<p><a class=\"longquoteserviceformbuttons\" href=\"..\/..\/..\/insurance\/knowledge-center\/\"><i class=\"fa fa-arrow-circle-right fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>View Knowledge Center<\/a><\/div>\n<p><br style=\"height:4em\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Life Insurance throughout Maine Life insurance is simply protection to ensure that your family will have financial security when you pass away. If something should happen to you, how will they be able to continue doing the things they take for granted, such as live in a nice home, continue [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":143,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"on","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","footnotes":""},"class_list":["post-153","page","type-page","status-publish","hentry","entry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/pages\/153","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/comments?post=153"}],"version-history":[{"count":0,"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/pages\/153\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/pages\/143"}],"wp:attachment":[{"href":"https:\/\/www.jedwardknight.com\/insurance-maine\/wp-json\/wp\/v2\/media?parent=153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}