Individual Life Insurance
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
Solutions to ensure your loved ones have what they need.
Pay the mortgage • Pay for college • Replace lost income • Cover final expenses • Pay off debt • Leave behind support for charities or others
What is term life insurance?
With term life insurance, you pay regular premiums for a set period and the policy only pays out if you pass away during this period.
What is whole life insurance?
With whole life insurance, there’s no set period. You usually pay regular premiums until you pass away, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
What is universal life insurance?
Universal life insurance works in a similar way to whole life insurance, but you have more flexibility with drawing money early. You can even borrow money and repay it later. If there is any loan outstanding when you pass away, the policy’s payout can be significantly affected.
What to consider before getting life insurance.
The premiums you pay depend heavily on your age and medical history, along with the amount you want the policy to pay out. It is important to seek expert advice before committing to life insurance.
Contact us and we’ll walk you through the options and help you to determine if term life insurance, whole life insurance, or universal life insurance are right for you.
The most important investment you can make for your family.
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Call Us today for your insurance needs
- 423-836-9091