Personal life insurance

Life Insurance - Walsh Duffield Inc.

Term Life Insurance Life insurance can be a simple, affordable way to protect your family – and to provide guaranteed premiums – for a specific period of time. Typically, the shorter the term, the lower the premium – so even with a diagnosis, your premium remains the same. Term Life is also usually convertible to Permanent Life Insurance without a physical exam or medical underwriting for an initial period of time or to age 65 and beyond. Permanent Life Insurance For lifelong protection that offers death benefits along with a cash value, you want Permanent Life Insurance. This is where a portion of the premium can build a cash value on a tax-deferred basis based. Unlike Term Life...

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Hollis Insurance Agency Life Insurance - Hollis Insurance Agency

Coverage Considerations When people talk to us about life insurance, they usually have two questions: What kind of life insurance do I need and how much coverage do I need? There are certainly a lot of factors to consider and we’d be happy to talk to you about these decisions, but in the meantime, here are a few “short answers” to help you think things through. What kind of life insurance do I need? As a rule of thumb, buy term insurance to cover temporary needs and permanent insurance to cover permanent needs. For a family, the bulk of your coverage should be term, a long enough term to carry your children through their college years, and then drop it. Buy enough...

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