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Life Insurance Information
Life Insurance in Upland, California
Life insurance provides a financial benefit to your dependents upon your death. Although it is difficult to think about the end of your life, life insurance is essential coverage to protect your family or loved ones if they depend on you financially. This type of insurance coverage can be confusing, so it is a good idea to speak with an agent at Nauertz Insurance Agency to help you navigate your policy.
What Is Life Insurance?
Life insurance is essential coverage that will protect your financially dependent loved ones if something happens to you. There are several types of life insurance that may suit your and your family’s needs:
Term—Term coverage is the simplest and typically the cheapest form of life insurance. This coverage is purchased for a specific period of time. It can be renewed, but your premium could vary depending on various factors such as age and health status. This form of life insurance is not permanent, unlike other types of coverages.
Whole life—Whole life coverage can be purchased to cover you for a lifetime. As long as you continue to pay the premiums, you will continue to have coverage. Premiums stay consistent throughout your entire coverage.
Universal life—Universal life coverage is similar to whole life coverage, but there is higher potential for earnings on the savings component. There is more flexibility for changing premiums and the face value of your policy as well. The downside to this coverage is that there could be a possibility of an increasing premium.
Variable life—Variable life coverage typically has fixed premiums and controlled investment decisions. This coverage can be risky because there is no guarantee for the cash value.
Determining the right coverage option for you can be tricky, but your agent at Nauertz Insurance Agency is here to help you navigate your options.
Who Needs Life Insurance?
While life insurance is not required, it could be one of the smarter coverage options to purchase. Purchasing a life insurance policy could ensure that your family will be financially secure in the event something unexpected happens to you. If you are someone who makes the primary income or pays for larger expenses in your household, this is insurance coverage you will want to consider.
How Much Does Life Insurance Cost?
As with most insurance policies, the cost of life insurance will vary from person to person. No policy is exactly the same. Be sure to check with your agent to receive a quote on your policy.
Contact Us Today
At Nauertz Insurance Agency we want to help you and your family to be protected financially. Call us to speak with an agent about life insurance today.