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How Does My Recent Divorce Affect My Life Insurance Needs?

Divorce in Nebraska affects your life insurance needs in several important ways, especially if the judge grants your spouse an order of support. The expectation in that event, according to Nebraska’s laws, requires life insurance coverage to continue, with your former spouse as the beneficiary. If the court does not grant support, however, you do not have to keep your former spouse covered under the policy, nor would your estate pay any death benefits.

How long does my ex-spouse’s rider stay valid?

As per legal requirements of Nebraska, your spouse’s rider continues until you notify your insurance provider.  You may email, mail, or hand-deliver written notice of your divorce to our main office at Insurance Solutions LLC in Omaha, NE. Once received, we will write your new policy ASAP.

When does my spouse have to start paying their part of the premium?

Your spouse will begin paying their premium as of the date we receive notice that your divorce is final if they intend to continue their policy with us. Notify us in writing as soon as possible so that we bill the correct person. Speak with our agents here at Insurance Solutions LLC, in Omaha, NE about your options.

What steps will allow me to remove my ex-spouse as a beneficiary from my life insurance?

You cannot remove your ex-spouse as a beneficiary in Nebraska if the court determines that you must continue supporting them. However, if no order of support exists, we will stop billing you for their policy. Instead, after your spouse lets us know they wish to continue their life insurance coverage separately from the current policy, we will write new policies for you both and discuss all changes.

Why Life Insurance is a Smart Choice for Homeowners

Protecting home and family is a top priority for most of us, so it makes sense that Omaha, NE homeowners want to protect their home and family as much as possible. Getting life insurance adds another layer of financial protection that can help shield your family from the devastating effects of a drastic financial loss in the event of your unexpected passing. 

Licensed insurance agents at Insurance Solutions LLC can help you choose the best life insurance policy for your needs. 

Benefits of Life Insurance

Your home and family are protected when you have life insurance that can pay off large debts like your home mortgage without your loved ones having to bear the financial burden of meeting a monthly mortgage payment. 

Protect Your Family’s Financial Future

The best way to protect your family’s financial future is to make smart financial decisions. 

Make Cash Withdrawals and Get Debt Relief

Many people aren’t aware that life insurance policies can cover more than just the cost of funerals and final expenses for the deceased. 

Get Peace of Mind When You Know Your Family is Protected

Life insurance acts as a financial security blanket that can help cover the cost of your children’s college education and pay off your mortgage.

Policies with cash value can be borrowed against or even withdrawn to supplement your retirement income. 

Get a Life Insurance Quote Today

Don’t wait until it’s too late! Learn more about the benefits of life insurance and how much you can expect to pay for a monthly or annual policy. If you’re a homeowner in Omaha, NE and considering adding life insurance to your financial plan, contact a licensed insurance agent at Insurance Solutions LLC for a free life insurance quote! 

I’m Young And Healthy–Do I Really Need Life Insurance?

No one ever wants to think about death, especially when they are young and healthy. However, the reality is that accidents happen, and illness can strike at any time. If something happens and you don’t have life insurance, your loved ones will be left with a huge financial burden.

Here’s why everyone–young or old, healthy or not–should have life insurance:

1. Life Is Unpredictable

No one knows what tomorrow will bring. Even if you are in excellent health now, that could change in an instant. If you were to suddenly pass away, your loved ones would be left with a mountain of medical bills and funeral expenses. Life insurance can give your family the financial security they need during this difficult time.

2. You Have Debts and Responsibilities

If you have any debts–such as a mortgage, student loans, or credit card debt–life insurance can help your loved ones pay them off. You may also have other responsibilities, such as taking care of an aging parent or disabled sibling. If something happens to you, life insurance can give them the financial support they need to continue living their lives.

3. It’s Cheaper When You’re Young

The younger you are when you purchase life insurance, the cheaper it will be. This is because the insurance company knows that you are less likely to die than someone who is older. As you get older, your premiums will go up because the risk of death increases. Insurance Solutions LLC in Omaha, NE can help you find the perfect life insurance policy for your needs while it’s still cheap.

4. You May Grow Old and Sick

No matter how healthy you are now, there’s a good chance you’ll grow old and sick. Chronic illnesses catch up with most people when they start growing old so, you need to be ready. If you don’t have life insurance, your loved ones will have to bear the burden of your medical bills. Life insurance can help them pay for things like in-home care, assisted living, or hospice care.

Give Us A Call

As you can see, there are many good reasons to have life insurance–regardless of your age or health. If you need help finding the right policy for you, Insurance Solutions LLC in Omaha, NE can assist you. We will take the time to understand your needs and find a policy that fits both your budget and your lifestyle.

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