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Term insurance will last for a specified term period which can be 10, 15, 20, and 30 years lengths. Price is locked during the entire term and term insurance is cheaper than permanent. Permanent insurance will last you a lifetime, it also comes with cash value savings that can be used by the insured as an additional bank account. Permanent is more expensive than term.
YES! Term and permanent insurance come with living benefits that can be added to your policy. For example, you can add an accidental death rider that will double your death benefit in the case of accidental death, another example would be accelerated death benefit in the case of a terminal illness, with that benefit you can use your insurance policy to pay for medical expenses in the case you get a terminal illness.
The death benefit also called a “face amount” is the money from your life insurance policy that your loved ones will inherit after you pass.
This is the process of determining your risk to the insurance company. Underwriters will look at your age, gender, health, and criminal history to determine if you will be accepted or not.
Cash value savings are associated with permanent life insurance, as you pay your monthly premiums, some of that money is being put to the side and earns interest year by year, the insured can withdraw or take a loan out on their policy. Cash can be used for anything the insured wants or needs.
Your life insurance quote will depend on your age, health, gender, and the amount of life insurance you want.
The process is simple, first, you reach out to us for a quote, then we do an application for you, and then the underwriting process starts to get you approved!
A deductible is the dollar amount you have to hit before your insurance actually kicks in.
Can change year to year but is usually October 1st until January 15th
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336-365-8118
3 Centerview Drive #300
Greensboro, NC 27407