Life Insurance
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Life Insurance Information
A life insurance policy can provide crucial financial support to your loved ones if you pass away unexpectedly. Contact Boyer Insurance LLC in Zanesville, Ohio, to learn more about life insurance.
Why Is Life Insurance Important?
Life insurance can provide a lump sum, known as a death benefit, to your chosen beneficiaries if you die while your policy is active. Your chosen beneficiaries may use these payments to help pay for your funeral and burial expenses, estate taxes and any outstanding debts (e.g., mortgage) that could otherwise cause financial hardship.
Life insurance can also provide essential financial support to family members who depend on your salary for financial stability (e.g., your spouse and children). It may also be used to create an inheritance to pass down your wealth and assets to chosen beneficiaries.
Get the peace of mind you deserve. Contact Boyer Insurance to speak to an insurance agent.
Types of Life Insurance
There are two primary types of life insurance coverage:
- Permanent life insurance coverage can provide coverage for your entire life, as long as you continue to make premium payments. Also known as whole life insurance or universal life insurance, this coverage is generally the more expensive of the two options. But it may have additional benefits, such as accruing wealth by borrowing or withdrawing money from your life insurance policy.
- Term life insurance coverage can provide coverage for a set duration (e.g., 10 or 20 years). At the end of the term, your insurance company will no longer provide benefits to your beneficiaries when you pass away. Term life insurance is generally less expensive than permanent life insurance.
Both policies typically have a level premium, which means your insurance costs will remain the same even when you’re older and require more coverage.
Choosing the Right Life Insurance Policy
Your insurance agent can help you find the right life insurance policy for your needs. Contact Boyer Insurance to learn more about our life insurance policies and to get a tailored life insurance quote.
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