Life Insurance

In our office we believe Life insurance is the most important  coverage to protect your future. Nobody wants to think about the end of one's  life, but it is inevitable.  It is best to arrange protection earlier to  be  better prepared and to take advantage of considerable savings. Over the next  few pages we will explain what information is needed to give you a quote, the  different types of Life policies, and the relationship of age to premiums.

Different Types of Life Policies

Basically, there are 2 major types of Life insurance, which are permanent insurance and term insurance.

Permanent Life Insurance 
Permanent Life insurance will protect you and benefit your family as   long as you pay the proper premium. Permanent Life costs more than term for you, own this policy for your entire life and it builds cash value. Purchasing a  permanent Life policy can be compared to purchasing a home versus renting in the value you receive.

Term Life Insurance
Term Life insurance is  purchased for temporary protection such as providing a benefit for your children  as they grow up or securing your mortgage. This policy can be compared to  renting for you do not build cash  value with term insurance.

Relationship of Age to Premiums

You might be thinking that you cannot afford this protection right now, and  there are many financial hurdles in our day-to-day life that make affording  life  insurance seem too difficult at any one time. The chart below documents  the  reasons most given for not being able to afford or need protection during  these  age segments.

18-29     Feel you are too young to need to worry about life  insurance
             Just starting out on your own, too many expenses to worry  about
30-49     Raising a family and have even more financial  responsibilities
             College expenses
50-         Assisting aging parents
             Increased cost of  coverage

As you know, life  insurance rates increase with age, so it becomes a greater expense if you wait.  With all the different options available we can secure your future and  lock in  better rates just by qualifying and starting with an option that best  meets your  needs today, thereby, making it easier to make the necessary  adjustments as your  family and responsibilities grow. So give us a call before  your next birthday,  and we can design a policy that is best for you.

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    We will need your  DOB, Sex, Pre-exisisting Condition, Rx, Desired Face Amount and Height & Weight to provide you a quote.