Independent Insurance Agent

A life insurance policy is a contract between you and an insurer that provides a death benefit to your beneficiaries in exchange for premium payments. You need a life insurance policy to protect your loved ones financially during your unexpected death.

The amount of life insurance coverage you need depends on your circumstances, including your income, debts, and the financial needs of your loved ones. An independent life insurance agent can help you assess your needs and determine the appropriate amount of coverage.

Factors that affect your life insurance premiums include your age, health, lifestyle habits, occupation, and the amount of coverage you require. Generally, the older you are and the more health risks you have, the higher your premiums will be.

You can lower your life insurance premiums by maintaining a healthy lifestyle, choosing a term life insurance policy instead of a permanent policy, and working with an independent life insurance agent to compare policies and find the best rates.

Yes, you can change your life insurance policy if your needs change over time. You can increase or decrease your coverage, switch from a term life insurance policy to a permanent policy, or add riders to your policy to customize your coverage.

Term life insurance provides coverage for a specific period of time and typically has lower premiums than permanent life insurance. Permanent life insurance covers your entire life and includes a cash value component that can be used for savings or investments.

You can ensure that your life insurance policy provides financial protection for your loved ones by regularly reviewing your coverage and updating your beneficiaries, working with an independent life insurance agent to ensure that your policy meets your needs, and communicating with your loved ones about your wishes for your policy’s proceeds.