Term Life Insurance

Give Your Family the Gift of Life Insurance

Term Life Insurance is one of the best gifts you can give your family. Maybe you’ve been ignoring your life insurance needs because of the anticipated cost. Well, you’re not alone. 50% of Americans surveyed think they need more life insurance coverage, and one-third of all Americans have no life insurance coverage at all. The truth is that a little bit of money now can give you valuable peace of mind.

Term life insurance is the simplest and most affordable form of life insurance we offer. It provides a death benefit to the beneficiaries of the policy that will help defray the costs of lost wages. Term life insurance gets its name from the set amount of time or “term” that the life insurance policy covers. The policyholder pays a fixed premium amount throughout the term of the policy in exchange for a payout if death occurs within the term of the policy. A life insurance term can be as little five years or as many as 30 years with the most common terms being 10 and 20 years. The main factors that determine the price of term life insurance premiums are the amount of insurance desired, the length of the term, your age, and your health.

Term Life Insurance is a popular insurance choice for people with families, mortgages, and other responsibilities. Give us a call if you want to find out more. We offer a consultative approach so that you will have a better understanding of your life insurance options. You’ll become informed and empowered to make the right choice for you and your family.

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7 Mistakes to Avoid when Buying Life Insurance

Are looking to buy life insurance but concerned about the cost, and overwhelmed by the amount of information you need to sift through to determine the right life insurance policy to protect your family’s financial future? If you’re in the process of researching your options here are 7 Mistakes to Avoid When Buying Life Insurance.

Life insurance – Balance your Needs with your Resources

Life insurance will provide a safety net for your family after you are gone. It will help cover the debt, provide income and help your family maintain the lifestyle they are accustom to. Everyone’s life insurance needs will vary depending on their financial and family situation, so that’s why it’s important to talk with a

Term life insurance – 4 things to help you determine how long you’ll need it

Term life insurance is available is many different terms. Use these questions to decide what length of term is right for you and your family. 1.    How long will your dependents need your income? The length of a term life insurance policy greatly depends on the number of years your dependents will need an income.

Understanding A.M. Best’s Rating System for Life Insurance Companies

How financially secure is your life insurance company? How will you know if they will be able to secure the financial future for your family when you’re gone? You can find out by using industry standard credit rating systems such as A.M. Best, Standard and Poor’s and Moody’s Investors Services. A.M. Best Company sets the

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