Life insurance isn’t something many of us want to contemplate, but we also recognize the benefits it provides.  The peace of mind that comes from knowing your family will be taken care of in the case of your death can be very reassuring.

There are a number of ways life insurance provides for your family.

• Paying Final Expenses
  Life insurance policy benefits can be used to pay funeral or cremation costs; medical bills not covered by health insurance; and estate administration fees.
• Replace Lost Income and/or Pay Off Debt
  Your beneficiaries can use the money to help cover essential expenses, such as paying off a mortgage or providing funds for your children’s college educations.
• Secure an Inheritance
  Buying a policy with a named heir as a beneficiary can secure an inheritance for your loved ones.
• Paying Estate Taxes
  Estate taxes may be due depending upon the state of residence and the size of the estate. Life insurance benefits may be used to partially or completely offset this cost for your heirs.
• Contributing to a Charity
  Life insurance policies can name your favorite charity as a beneficiary. This ensures benefits are provided to your charity of choice.

Most of Us Should Have Some Life Insurance
There are good reasons for families and individuals at all stages of their lives to have some life insurance.

Whether you are married with kids, single or retired, life insurance should be part of your financial plan.  To learn more go to Who Needs Life Insurance.

When it comes to buying life insurance normally the younger you are the less it costs.  If you’re young, healthy, and have a good family health history, you are highly insurable and you’ll receive the best life insurance rates.  Waiting until you absolutely need life insurance can be very expensive, if you can get it at all.  Here’s another link that can help you calculate how much life insurance you actually need.  Go to Life Insurance Calculator.

Life Insurance Physicals from Blackbird Clinical Services
Blackbird Clinical Services does not sell life insurance.  But we do provide Life Insurance Physicals.  Most life insurance companies will require a basic physical prior to issuing a new policy or prior to increasing your coverage.

Blackbird Clinical can perform these physicals which include bloodwork, a urine specimen, an EKG, and a questionnaire related to your health habits and family medical history.

Quick, Convenient and Low Cost
You don’t have to wait for weeks to arrange an appointment for your life insurance physical at Blackbird Clinical.  We can schedule an appointment and get you in and out quickly, and at a cost that is substantially less than other healthcare providers.  All results are confidential and provided to only you and your insurance company.