Life Insurance

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Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. But..

Today, you have the opportunity to purchase term life insurance with a rider on it called "return of premium." This rider will actually pay you back your money you paid for the term, the entire term, at the end of your specified period. For example; you purchase your first house, you take out a 30 year mortgage, and then you take out a 20 year term life insurance policy. If for some unforeseen reason you pass away before the end of the term, you know your family will be properly provided for. If, you do not pass away you can use the money you paid into your term life insurance policy to pay off your mortgage early, pay your children's college tuition, or even invest the money into a whole life (permanent) insurance policy with the proceeds. The money is paid to you tax free. Your choice. 

In contrast, permanent insurance provides lifelong protection. You can choose the period; these policie(s) are until age 100, 110, or 120. The younger and healthier you are the lower the premiums will be. So unfortunately, if you wait until your health begins to decline or your age begins to increase your level premiums will also increase. But, as long as you pay the premiums, and take no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. These are great policies to take out on young adults who are just starting out in their career since their premiums will remain level for the remainder of their life.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. Some believe in the, "buy term and invest the rest" technique. Some believe in purchasing term policie(s) while only obtaining debt. Some on the other hand will purchase a whole life for their long term goals, and then supplement with term for short term. The old saying, "To each his own is true" in this case. 

Our agency has the best and easiest way to figure out the amount and type of life insurance that makes sense for your particular situation. If you are just wanting to know what our agency can provide you, please click the link above and fill in your contact information and short health questionnaire and a licensed professional will contact you shortly. If you would like to get an instant quote with no obligation, please click here: