Like any adult who has emotional and 昀椀nancial responsibilities, we think about how our family would make ends meet if we died unexpectedly. Most importantly, we may think about the debt we leave behind. Here is what we may consider: • The cost of funerals often leaves a 昀椀nancial commitment behind for surviving loved ones • Money for day-to-day living expenses such as food, gas, and electricity will be needed • A substantial mortgage or rental payment may still be owed • Child care and education expenses for children Coverage for all stages of life As people move through the stages of life, certain factors dictate the type of life insurance they need. During working years, an employer may provide Term Life insurance, but the wraparound coverage of our Group Whole Life product can help give peace of mind because the money you spent builds cash value that you can use later in life or add to the term bene昀椀t payout. The graph below illustrates the need for term and permanent whole life insurance throughout the various stages of life. The examples above detail fictional thought processes and needs; your individual needs and reasons for coverage may vary. GWLBIN 2 POD126436