Get peace of mind!
Get peace of mind!
We have years of insurance experience helping clients prepare for the unknown. Ask us about Life, Home, Auto, Fire, Legal Protection, and many more! We can access any insurance product so you can get the right one for you.
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.
Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.
Va'Na began her career in insurance in October 2022 as a Representative with Primerica Insurance Company.
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“Do I have anyone dependent on my salary to sustain their standard of living?” In other words, if you were to pass, would those still alive have issues covering the cost of your burial? Covering rent or mortgage payments and other bills? What about any remaining medical costs? Would they have enough money to cover those and still maintain their normal life? If the answer to any of these is “No, they wouldn’t,” then you should consider what life insurance options work best for you and your needs.
Term insurance generally has lower premiums than permanent policies. However, term life insurance does not build up cash value that you can use in the future. Term covers you – as the name suggests – for a term of one or more years. If you die within that term, death benefits are paid out. You can renew most term insurance policies for one or more terms, even if your health has changed, though premiums may be higher. So be sure to ask your insurance agent or company if you will have this option to renew after the end of the term and if there is an age cut-off for renewals. You may also combine cash value life insurance with term insurance for the period of your greatest need for life insurance to replace income.
Permanent (Whole) insurance policies remain in place as long as the premium is being paid. They also all have a cash value that increases over time and allows the policyholder to borrow against that cash value. Because of the savings element, the premiums for permanent insurance tend to be higher compared to term insurance premiums. There are four types of permanent life insurance: whole life, universal life, variable life, and variable universal life. You can learn more about these different types of permanent life insurance here, on our website.
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