Life Insurance Quote
For Those You Love Most
Life Insurance allows you to live your life to the fullest, knowing that should anything happen to you, the life insurance you have purchased will provide financial relief and stability for those who depend on you. In addition to taking care of those you leave behind and paying for your major expenses after your death, different types of life insurance can even help you save and grow your cash for life’s future needs.
We offer a variety of different types of life insurance solutions for needs you may have now and down the road. Review policies below and request a life insurance quote today!
Term Life is a simple, budget friendly life insurance solution for young people, families on a budget, and for people who may want to convert their term policy to a more permanent solution later down the road. You may also want to supplement a permanent life insurance policy. Generally, it provides the largest immediate amount of protection for the lowest cost and pays a death benefit upon your death.
How it works
Term Life covers you for a set period of time, provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.
This type of life insurance policy has multiple purposes, however, can be a good fit for anyone who has loved ones who depend on them. Young people who want to invest in their future, or someone nearing retirement may also consider permanent life insurance. Permanent life insurance provides a death benefit to help your family maintain their lifestyle after your death and pays your final expenses and debts. However, it also helps you build wealth and save for the future by building a cash value. Several other advantages of permanent life include borrowing against the policy or building a tax deferred investment income.
Types of Permanent Life Insurance
Whole Life, Variable Life and Universal Life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.
An annuity is an insurance investment product designed to pay you an income over a period of time. They can help you grow your savings, inheritance, and retirement portfolio. In fact, they often provide you with retirement income that you cannot outlive.
Payments may begin immediately, or at some future date in exchange for a lump sum payment, or a series of payments, depending on your needs on how you structure the annuity.
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