It's Worth it for Them!
No one wants to think about it, but everyone needs to plan for it. And there is much to consider while planning:
- When should you get a policy?
- What kind of policy is best for you?
- How much do you need?
What are the different types of life insurance?
Understanding what's out there helps you decide what is best for you and your family. Listed below (Opens in a new window) are the most common policies and their definitions. Read through them and give one of our agents a call to talk through your unique circumstances.
Term Life - Low cost premiums for a period of years (10 - 30). For short-term needs when your expenses and debt are high.
Universal Life - Design the policy to meet your needs. The death benefit can be guaranteed for a lifetime with low premiums.
Variable Universal Life - Similar to Universal Life, but with investment options.
Survivorship Life Insurance - A permanent policy that covers 2 people and pays only when both have passed away. Used for long-term care of children, in estate planning, or to ensure the security of a business.
How much life insurance do I need?
This is the most commonly asked question when it comes to securing life insurance. There are several key areas to take into consideration when planning for the financial security of your loved ones. Our Life Insurance Calculator helps you estimate how much coverage you need and allows you to change certain variables to see how they impact your needs.
When you're ready to talk specifics, send us an email, or call us at (870) 523-6771 to get your FREE QUOTE.