Permanent Life Insurance

Don't Let Life Catch You Unprepared - Get Life Insurance Today!

As long as you continue to make monthly payments, permanent life insurance protects your entire life. 

Permanent life insurance, which is different from term life insurance, has a part called the cash value that grows over time and can be used as an investment or a way to save money.

There are different kinds of permanent life insurance, such as whole life, universal life, and indexed universal life. Before selecting a permanent life insurance policy, it’s crucial to thoroughly analyze your financial situation and personal needs because each type has unique features, benefits, and possibilities.

Call us to discuss which life insurance suits your requirements, and we will guide you accordingly.

Typical goals that lead people to permanent life insurance include:

For people who want coverage for a set amount of time, such as the term of their mortgage or the number of years they plan to support their dependents, term life insurance is a good alternative.

Need for lifelong life insurance protection because of people financially dependent on you.
Desire to leave a financial legacy to heirs.
Desire to capitalize on the cash value or investment component of a permanent policy.
Want to make sure your loved ones get money to pay final expenses and funeral costs.
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Factors That Affect Your Life Insurance Premium

Your age is one of the essential elements impacting your life insurance price. Your life insurance policy will cost more the older you are.
The cost of life insurance is also impacted by gender. Because they live shorter lives than women, men typically pay more significant premiums.
Another critical element that impacts your life insurance price is your health. Pre-existing medical conditions and high-risk behaviors like smoking and skydiving may increase individuals rates.
Your line of work may influence your life insurance premium. For example, you might have to pay higher premiums if you work in a high-risk industry like construction or as a firefighter.
Finally, your lifestyle can influence the cost of your life insurance. For example, compared to people who indulge in dangerous behaviors like smoking or binge drinking, those who practice good habits like regular exercise and a balanced diet may qualify for lower premiums.