Life Insurance
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What is Life Insurance?
Life insurance is a way you can protect your family and loved ones, even after you pass away. Rather than leaving your family with existing debt, funeral expenses and other everyday costs, they’ll receive a tax-free death benefit or payout. This can provide financial security and stability.
Do I Need Life Insurance?
Just about everyone can benefit from some level of insurance protection for their loved ones. Talk to one of our agents to discuss your family’s specific needs. You might be just starting out, raising a family, or preparing for your golden years—as long as you have loved ones you want to protect if you pass away, life insurance can help. The key is finding a policy that fits you and your specific situation. Whether you’re looking for a lot of coverage or just the basics, we have a policy for what you need.
Life insurance can help your loved ones:
- Cover the rising cost of funeral expenses
- Replace lost wages or the value of your time (e.g., stay-at-home spouse)
- Pay off debt
- Provide for a college education
- Leave an inheritance
What Types of Policies are There?
Most life insurance falls in two basic categories: term and permanent. Term lasts for a set period of time, and permanent lasts your entire life.
| Term life | Permanent life | |
|---|---|---|
| Cost | As low as $10/mo | Price varies |
| Coverage term | 10-40 years | Your entire life |
| In-person medical exam | Sometimes required | Sometimes required |
| Other benefits that may be available |
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