Life insurance is an investment in the futures of your loved ones. Everyone’s life is different so no one life insurance policy can take care of everyone’s needs. As experts in our field, we can find your life insurance that can reliably secure the specific, future financial needs of your loved ones. This can be stressful but as a life insurance agency and adjuster, we can help you navigate the myriad of coverage options and find you life insurance you can comfortably rely on.
Life Insurance
Life is precious. Life is wonderful. But unfortunately, life is also unpredictable. It’s never too early to worry about what might happen when you pass and making sure that the financial futures of your loved ones are secured. As a life insurance agency, we can give you that peace of mind and you in finding a policy that fits your needs.
For some, life insurance might seem like a luxurious or unfeasible option for them, but that’s not the case. There are many options and permutations of life insurance, and we can help you create a policy package that is both realistic and reliable.
How does Life Insurance Work?
Life insurance works just like any other insurance policy.
You, the policyholder or insured, provide premiums to the insurance company, and in return, the insurance company provides compensation under certain conditions or circumstances, in this case, a death benefit. In some life insurances, there is also a cash value–a feature mainly of permanent life insurances.
• Premiums – The money paid to the insurer. Either in one lump sum or certain intervals.
• Death Benefit – The money guaranteed to the listed beneficiaries of a policyholder.
• Cash Value – A feature of permanent life insurance that serves dual purposes. As both the death benefit of the beneficiaries as well as savings account for the insured.
