Good neighbor. Great auto rates.

funeral expenses if you die. Death is inevitable, and sometimes, sooner than expected. No one should leave their loved ones with the burden of paying for their funeral. The median cost of a funeral in 2021 was $7,848 and the median cost of a cremation was $6,970 according to the National Funeral Directors Association. This could be more or less, depending on what your family members choose at the time of your death.

Life insurance pays a tax-free lump sum to a designated beneficiary upon your death. Its purpose is to pay for the policyholder’s funeral expenses, any debts she may have as well as lost wages.

If you have a spouse or children who depend on you financially, you should have enough life insurance to replace your income if you were to die unexpectedly. Forty-four percent of U.S. households would face financial hardship within six months if the primary wage earner were to die and for 28 percent, it would only take a month, according to LIMRA, an industry funded research firm.

Disability

being repaired. You may need to ask for these types of extra coverage, as some insurance companies don't always include it in the policy.

Home and Renter's

If you own a home with a mortgage, the mortgage company requires you to have home insurance. However, if you rent a house, apartment or even a room within someone else’s home, insurance is not required and is often an expense many people forgo. But you shouldn’t.

Renter’s insurance covers your personal belongings, such as your clothing, electronics, dishes and furniture in the event of a fire, natural disaster or theft.

A renter's policy may also include coverage to protect you from lawsuits by those who are injured in your rental property, or living expenses coverage that will pay for your additional costs if you have to leave your home if it is destroyed, damaged or uninhabitable.

Life

You should have some type of life insurance policy – at the very minimum – enough to pay for your

You don't have to work in a high-risk job to need disability insurance. In fact, many disabilities aren't even work-related. Diabetes, cancer, back pain and arthritis are among the most common causes of disabilities, according to the Council for Disabilities Awareness. And more than one in four American women workers today will experience a serious disability before reaching normal retirement age, according to the Social Security Administration.

If you become disabled or sick and are unable to work, disability insurance replaces around 40 to 70 percent of your base salary.

Long-term Care

The Department of Health and Human Services says adults who are turning age 65 have a 70 percent chance of needing long-term care at some point in their lives.

Long-term care (LTC) insurance can help cover expenses such as nursing home stays, in-home care or adult daycare.

If you are purchasing a life insurance policy, you may be able to buy a policy that combines longterm care and life insurance, or you may be able to add this coverage to your policy as a rider.

Insurance manages your risk and buys yourself and your loved ones protection from financial ruin. Hopefully, you'll never have to make a claim, but if you do, you’ll be glad to have the coverage. WGW

MARCH 30 - APRIL 27

DEPOT ON BRADLEY I CARROLLTON, GA

For a limited time, come and experience DaVinci’s Last Supper. The interactive exhibit is comprised of individual installations and a full-size reproduction of the High Renaissance classic, The Last Supper. The exhibit includes an audio accompaniment, in both English and Spanish, that walks through the creative choices that gave rise to DaVinci’s poignant recreation of Christ’s final meal with his apostles and the announcement of his betrayal.

Tickets are $20 for adults with reduced pricing for youth and large groups . carrolltonarts.com/thelastsupper