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How Does Life Insurance work?

Term Life insurance has you covered for the duration you choose and your rates are fixed during your selected Term. Permanent or Lifetime Life Insurance has coverage up 120 years without ever having to reapply or having additional medical exams. If the insured should ever pass away the insured amount is paid in full to the beneficiaries. Some Life Insurance policies can provide a living benefit so you can access the face value if you ever have a major health event such as a heart attack, stroke or cancer.

Who Needs Life Insurance?

Life insurance can provide income replacement in the event of a fatal life event and give peace of mind to yourself and the ones you love. If you have any sort of debt such as a home mortgage, student loans, credit cards you need life insurance. But the most important thing you are protecting is the dreams created for the one’s you love the most. Life insurance is an essential part of building a solid financial foundation.

Is Life Insurance Affordable?

Depending on the health condition of the insured rates vary. Being honest when filling out the application questions is the best way to receive the most accurate quote and using the quoting tool above, you can compare rates in real time to get the most affordable premiums.