Life Insurance
There's nothing more important than family, All-IN-ONE INSURANCE will guide and help you protect the financial security of your loved once.
Getting Started With Life Insurance
Life insurance is a great way to help prepare for life’s unexpected moments. Like most of us, you probably worry about the future. Can we pay off the house? Will my kids get a good education? Will they grow up healthy and happy?
With life insurance, you can know that no matter what tomorrow may bring, you can help support your family’s financial future.
So, how do you get started?
Understanding Life Insurance
Interested in helping to protect your loved ones' financial future, but not sure where to begin? We’ve put our experience and know-how at your disposal. Our licensed agents we’ll help you understand:
• When is the best time to apply for life insurance?
• How much coverage do I need?
• What types of coverage are available?
• How do I talk to my family and my agent about Life insurance?
Explore our Life Insurance Resource Center to learn how to get started, and help you better understand your own Life insurance needs.
Finding the Life Insurance for You
Life is all about options and choices, and so is ALL-IN-ONE INSURANCE. With a variety of coverage options and products, you can find the coverage that you want for your family and your needs.
Understand the difference between Term and Permanent coverage.
Term Life Insurance
Term Life insurance policies generally offer the greatest amount of coverage for the lowest initial cost – they are the most straightforward form of coverage. If you have shorter-term needs and limited money to spend on insurance, a Term Life insurance policy may be the best fit for you.
Policyholders generally pay a premium on a monthly or annual basis for the length of that term. Proceeds help to cover financial responsibilities that decrease or end over time, like mortgages or car loans, should something happen to the insured. With Term Life policies, premiums can increase at the end of the fixed-term period.
Term Life insurance policies are typically used to help provide additional Life insurance coverage during child-raising years, to help pay for short-term debts, help pay off a mortgage, or fund a college education should something unexpected happen.
Whole life insurance
Whole Life insurance is a Permanent Life insurance policy – it insures you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.
Whole Life is one of the most common types of Permanent Life insurance. With Whole Life insurance policies, the cash value accumulates at a guaranteed interest rate and typically the policy owner may borrow against the cash value of the policy. Some Whole Life insurance policies can produce excess credits, which can be used to purchase additional paid-up Life insurance, increasing the available death benefit.ting from an event other than an accident, such as theft or a tree branch falling on your vehicle.
Collision Coverage for your vehicle when your car hits, or is hit by, another vehicle.
Uninsured/Under insured Motorist Coverage for your injuries, damages or death caused by an at-fault driver without insurance or without enough insurance to cover all costs.
Medical Payments Coverage for care expenses incurred by you and passengers in your vehicle injured in an accident.
