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Different Types of Life Insurance

Having life insurance is very important.  You want to make sure your family will be taken care of should something unfortunate happen to you.  But where do you start?  Finding the right life insurance policy can be very complicated and time consuming. Here we explain some of the different life insurance policy types we can provide you.

 

Term Life – A term life policy covers you for a "term" or period of your life.  They usually have lower premiums for higher coverage compared to whole life policies.  However, rates can change after specific terms expire. There is also no equity and cash value.

 

Whole Life – Our whole life policies give you protection your whole life, not just for a short period of time.  They can build equity and have cash value over the lifetime of the policy.  They do tend to have higher premiums than a term life policy, but they can be more valuable in the long run.  Some people look at them as more of an investment vehicle versus a life insurance policy.

 

Term and Whole Life combined –  This strategy works well for those that only need a higher coverage amount for a period of time.  IE:  Mortgage coverage.  But, after that period of time, they only need a smaller amount.  This strategy lowers the premium, yet allows you to still have some permanent coverage.

 

As an Independent Life Insurance Broker, we can find you the best policy and price to fit your specific needs.  Here are some of the companies we use:

 

  •     EMC National Life
  •     West Coast Life
  •     Mutual Of Omaha
  •    ... and many more

 

We would love to help you with your life insurance needs.  Please call 928-710-1455.

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