At this stage of life you've become more established in your career path, and your income is likely to be growing. You might be married (or thinking about it) with children (or planning for them).

Now is the time to reassess the amount of insurance you purchased when you were just starting out, as your policy may no longer be enough to cover a family's needs.

If you already have a Term policy, now may be the time to switch to permanent insurance that has the potential to build a cash value that you can access for needs in the future.

Financial Protection and Personal Satisfaction

If you've had a permanent life insurance policy all along, good for you. If you aren't yet financially protected, it is certainly not too late to enjoy the benefits of life insurance, knowing that:

• Your premiums are helping to build a cash value that can grow tax-deferred, and that you can access for your future needs.
• You are taking good steps to protect yourself and your loved ones. Protecting your children's future drives home the need for life insurance as nothing else can. Both spouses should have a policy to provide income replacement.

Whether you have insurance yet or not, this is an important time to ensure your family is adequately covered, so talk with your financial professional.

Things To Consider: If You...

• Work as a stay-at-home parent or homemaker, think of how much it would cost your spouse to hire someone to do all your work.
• Are a single parent, you carry a heavier-than-usual burden of responsibilities. You, especially, need life insurance to protect your children's future. If you are a single parent who is divorced, you can purchase a policy on your ex-spouse as well - to replace child support and alimony payments if your ex doesn't already have a policy to cover them.
• Own a small business, a properly structured life insurance policy can protect your family by protecting your business, as well. For more information, see our For Employers section.
• Are now living in a more expensive home with higher mortgage payments (or if you know that is your goal) evaluate the value of getting higher coverage

A Word About Insurance And Disability

While long-term care may seem a distant need, now may be the best time to plan for this possible need, while you are younger and your health is good.

You should know that several of AXA Equitable's life insurance products offer a Long Term Care Services rider that could help pay some long-term care expenses. Your financial professional can help you decide if this option is appropriate for you.