Life and Disability Insurance
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You don’t want to think about it, but life insurance is vital for your family’s financial future. There are many different types of life insurance policies, but you should speak with a professional. A trained insurance agent can help you compare quotes and find the best policy for your situation.
Life insurance is designed to protect the family members and dependents of a deceased insured. The more people that depend on you for support, the higher your life insurance amount should be. We can help you determine how much coverage you need and what type of life insurance is best for you.
There are many types of life insurance. One of the most popular options is term life insurance. With this plan, you get coverage for a set period of time. If you die within that period, your beneficiaries receive a benefit payment. If you live past the expiration date, the policy ends and your beneficiaries won’t receive any payments.
Another type of life insurance policy is whole life. This type of policy remains active for the entire life of the insured. The premium is set when you purchase it and typically doesn’t increase. We can help you determine how much coverage you need now and in the future.
Protects your most valuable asset and your ability to earn an income.
Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.