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   Life Insurance

 

Purchasing life insurance is one of the most important financial moves you can make. Life Insurance protects your family from financially worrisome situations if you are not there to provide for their needs.  Working with our Agency, you can get the protection your family needs for less.

What Type of Life Insurance Policy Is Right for You?

One of the most important decisions you need to make is what type of Life Insurance is right for your situation. The biggest factor to consider is time.

  • With Whole Life insurance, the individual is covered for their entire lifetime. This type of Life Insurance policy allows you to borrow from it over your life, too. It can even be a part of your estate plan.
  • Term Life insurance is in place for a set amount of time. This type of policy is less expensive, but provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.

There are other options to take into consideration. Child Life Insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.

Finding the Right Life Policy

It all starts with a simple conversation.  There are different reasons for wanting life insurance and the benefits it will provide your survivors; burial expense coverage, debt protection, asset protection, future income, etc.  And where you are in life will have a big impact on the policy options available to you.  Many factors must be considered.  We have the knowledge and experience to ask the questions needed to ensure you get the right type of policy to fit your specific needs.   We take the time to explain each policy type so that you are comfortable with the process and your decision.  With access to hundreds of A-Rated Companies, offering several policy options, let us help you get the right life insurance policy within your budget.