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Life Insurance

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LOOKING FOR LIFE INSURANCE

Your time searching for life insurance will be reduced significantly if you know what you type of life insurance you want. Otherwise, you may need the help of a professional agent. A death in the family for many people can lead to a substantial loss of income, so knowing where to find quality life insurance is a serious endeavor that you and your family should consider a priority. Therefore, this is not the time to cut corners.

To begin, you don’t want to pay too much for a policy that may not meet your needs; before you buy, you should think about the following:

  • Do you need temporary or permanent coverage
  •  What are the basic types of insurance available
  • What rates can I get for my budget
  • How reliable is the insurance company I hope to buy a policy from

How Much Do I Need

D.I.M.E  our  simple formula to calculate your life insurance needs.

  • Debt – add up all debt other than mortgage
  • Income – add up 10 years of income
  • Mortgage – add up existing mortgage balance
  • Education – add up cost of children’s education

The sooner you buy life insurance the cheaper it will be.

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Basic Types of Life Insurance Policies

Whole Life

Permanent insurance protection that builds cash value.
A whole life insurance policy is protection that will last your whole life. You will build tax deferred growth in a cash value account. The premiums and death benefit remain level for the life of the policy.

Universal Life

The most affordable type of permanent protection.
Universal life insurance has a guarantee to last to age 121 and can build cash value in the early years. The premiums are flexible and the death benefit remains level for the life of the policy.

Term Life

Term life insurances can last 10, 20 or 30 years.
Term life insurance is the mot affordable type of life insurance available. It last for a predetermined length of time such as 10, 20 or 30 years. This is the most popular type of life insurance.
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A Rated Life Insurance Companies

Your Insurance Market Agent will make sure your working with an A rated life insurance company.

We only represent the top companies from:

MetLife, Principal, Voya, Transamerica, Sagicore, Prudential, Assurity and many more.

Your Insurance Market Agent knows which life insurance companies will best fit your needs.

No exam life insurance we got it. Get up to $400,000 in coverage without a medical exam.

For greater quality of service choose an Insurance Market Agent.

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