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Life Insurance Information
Thinking about how your loved ones will be taken care of after your death can be difficult, but it’s important to plan for the future. No matter how unpleasant planning for what happens after your death may be, ensuring that your loved ones will be financially taken care of is a task that shouldn’t be delayed. One way to do this is by purchasing a life insurance policy.
Boyer Insurance LLC is here to help you navigate your life insurance needs. For over 40 years, we’ve been providing Zanesville and surrounding area residents with the insurance solutions they need—including life insurance needs. Give us a call today to get started.
How Life Insurance Works
A life insurance policy is a contract between you and the insurer. You’ll pay a premium in exchange for a specified sum of money (i.e., a death benefit) paid out to a beneficiary (e.g., spouse or children) upon your death. This money is there to assist your beneficiary in financially recovering from your loss and assure that they are taken care of. Beneficiaries can typically use this money for various expenses.
How Long Is Life Insurance Good For?
The period of time in which a life insurance policy is valid depends upon the type of policy you have. Typically, there are two primary types of life insurance:
- Term Life Insurance: A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, then the policy does not pay. You will also have to reapply for a new policy if you want to continue to have coverage.
- Whole Life Insurance: Whole life policies last for the remainder of your life once you enroll. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities, and the cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).
Many clients ask us, “What life insurance should I get?” The answer isn’t always a simple one, and sometimes, you may need more than one life insurance policy. Speak to one of our agents to learn more about which type of policy is best for your needs.
How Much Life Insurance Do I Need?
Determining how much life insurance cover you need is a primary concern. The amount of life insurance you need is entirely up to you. To find the right amount of coverage, it’s important to weigh your dependents’ current lifestyle and spending needs (e.g., college funds, mortgage or debt payments) against their future sources of income and assets. Our experienced agents will make sure that the benefit is sufficient for your loved ones and affordable for you.
How Much Life Insurance Costs
Life insurance costs will vary greatly from person to person. The type of policy you choose and policy limit, as well as your overall health history, lifestyle, and occupation, may influence your life insurance costs. Talk to a Boyer Insurance LLC agent today to determine what a life insurance policy may cost you.
Get Life Insurance Today
Contact us to learn more about life insurance or request a free quote now. We know how overwhelming planning for the future can be, and we’re here to help.