Most people know they need life insurance but don’t know how much, or if they can afford it. At Grange, we’ve helped clients keep their promises for generations—and they don’t have to break the bank to do it. In fact, most people overestimate the cost of life insurance by as much as 300%.1 By working with an independent agent, you’ll gain peace of mind that, if the worst were to happen, your loved ones’ financial futures are secure. Talk to an independent agent today to learn all the reasons protection for the ones you love means peace of mind for you. Here are just a few: Income replacement. Half of all U.S. workers would struggle financially one month after losing an income.2 Would you like your family to receive money to replace your income? Education costs. How important is it to make sure your children could afford to go to college if something happens to you? Mortgage protection. Loss of a breadwinner can mean the loss of the family home. If they had to, would your loved ones be financially prepared to pay off the mortgage? Wealth transfer. Do you want to leave behind a legacy for charity or loved ones? Since benefits are generally federal income tax-free and can pay out more than the premiums paid in, life insurance can be an effective way to do it. Final expenses. The average cost of a funeral, health care bills and other final expenses average about $15,000.3 Can your loved ones cover those costs quickly if the worst happens? Find an agent Sources: 1 – LIMRA 2 – Life Foundation 3 – National Funeral Directors Association *Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. All life policies are underwritten by Grange Life Insurance Company, Columbus OH, or Kansas City Life, Kansas City, MO, and are subject to underwriting approval. Not available in all states.