Need For Life Insurance
Life Insurance. Peace of Mind. Extending Life’s Most Precious Moments.
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Trusted insurers. Competitive pricing.
Talk with a Need For Life Agent.
Ask for an agent to contact you within minutes. Get a “No Hassle” life insurance quote over the phone or by email.
What people are saying about Need For Life Insurance
“Betty was extremely helpful and got me what I needed. I was insured sooner than I expected. Thank you.”
Jane, Ca.
Purchased Term Life Insurance“This was much easier than I expected. I did have questions. They were answered. I am going to refer my friends. With great gratitude.”
Ben
Purchased Whole Life Insurance“They work very quickly and help you get the best rate. I have recommended them to more than 5 people and they are also satisfied with them.”
Ruby R.
Purchased Term Life InsuranceWhat is Life Insurance?
We want you to understand that life insurance allows you to plan ahead. The goal of life Insurance is in creating long-term financial security for your family. In the event you are unable to provide, the proper life Insurance policy will provide when your family needs it most. A life insurance policy can help ensure your loved ones future is protected.
There are two major types of life insurance. Term and Permanent life insurance. Here is a break down of these two types of life insurance policies:
Permanent Life Insurance
Permanent life insurance is often called “Flexible Permanent Life Insurance”. Typically includes several subcategories, including universal life, traditional whole life, and indexed life. Whole life or permanent insurance pays a “death benefit” in the event or rather when you die. The goal of a whole/permanent policy is to have life insurance in place for the rest of your life. All permanent life policies have three elements: premiums, a death benefit, and cash value. The premium is the amount of money you pay for the life insurance policy. Depending on the policy, you pay the premium in either a large one-time lump sum, once a year, or monthly.
Term Life Insurance
Term Life Insurance is as the name describes: Life insurance for a fixed term. Term life insurance pays only if death occurs during the term of the policy. How long is a “term”? Can be from one to 30 years.
The two basic types of term life insurance policies are: level term and decreasing term.
- Level term means that the death benefit stays the same throughout policy duration.
- Decreasing term means that the death benefit decreases, typically in one year increments, over the duration of the policy’s term.
“Life is hard enough. Our licensed team makes life insurance easy.“
“The life you save might be your families.”
Need For Life Insurance
Next Step:
Let us help you determine the amount of coverage that best fits your needs.
Have us contact you today
How long have you been in business?
Our team has a combined experience of over 100 years in the life insurance field.
Will I need a physical exam?
Depending on the life insurance company, coverage amounts, age and health history, you may or may not need a physical exam. The physical exam is without cost or obligation to you.
