It's not just for you, it's for them
You may find yourself juggling a career, bills, raising a family or caring for an aging parent, and the thought of purchasing life insurance now may not be at the top of your to-do list. As you look to the future, you may begin to think about those who rely on you, and you might have concerns regarding the protection of your loved ones, be it family or friends. As you will always want the best for them, having the proper coverage in place can provide you with the assurance that they will be taken care of.
Life insurance can be very beneficial to you, no matter where you are in life – and here are some reasons why:

It can cover outstanding obligations
A life insurance policy can cover any debt you may have so it is not passed on to your heirs. It can help pay off your mortgage, credit cards, or auto loans — debt that could become a financial burden on your loved ones. This will ensure that they will not have any added stress should you pass away with these loan obligations.
Protects those who depend on you
Caring for a loved one can be one of the biggest responsibilities you take on, and the most meaningful. You may have young or adult children, an aging parent or a loved one who needs caregiving assistance, and life insurance can provide the protection they will need. Whether it is for day-to-day living expenses, medical expenses; or taking care of future life events that may arise, life insurance will ensure that your goals and objectives towards their wellbeing will always be covered.
Supports the gift of a lifetime
Life insurance can provide more than just a death benefit. If it was always your dream to pay for your child’s education, future wedding or help with the down payment on their first home, life insurance can help prepare you for when that time comes. Certain life insurance policies provide a savings account within the policy known as the Cash Value that builds over time. The savings accumulated in this account over the years can be withdrawn from the policy to help cover these very important milestones.
Life is not about luck, it's about the choices you make
Sources & Disclosure
© 2025 Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC. All rights reserved.
This material is not a recommendation as defined in Regulation Best Interest adopted by the Securities and Exchange Commission. It is provided to you after you have received Form CRS, Regulation Best Interest disclosure and other materials. Oppenheimer & Co. Inc. does not provide legal or tax advice. 7719400.1