Life Insurance

Fort Worth Life Insurance

Why do you need Life Insurance?

We can help you protect your family by providing housing, clothing, food in case of a catastrophe. The most common reason people purchase life insurance is to help in a one or two earner family with children. Life insurance is not just for the young, nor is it only for parents or guardians of young children. The main reason for insuring your life is to replace an income you are generating that someone else relies on. If an earner dies, life insurance can enable the survivors to go on without having to make financial sacrifices.

What are some of the things Life Insurance can pay for?

• Your family’s home
• Your family’s standard of living
• Protect your child’s future
• Provide retirement income for your spouse
• Keep family business intact
• Funeral and burial cost’s
• Probate cost’s
• Inheritance taxes

Check out our simple Life Insurance Needs worksheet to determine how much life insurance you may need.

Combining a Life Policy with your Auto Policy or Homeowner Policy will let you receive significant discounts.

Should I buy Life Insurance for my spouse or children?

Many people are buying life insurance for their spouse and children. Financial strain on a family occurs even if the family earner does not die. More time is often needed to spend with children. A life insurance policy on a child can cover one time costs such as funeral expenses and guarantee insurability for future coverage. Child care is often needed for families who suffer the loss of a parent who stays at home with their children. Please contact us to have a qualified insurance professional give you an insurance quote.

Arlington Life Insurance

What are the different types of Life Insurance?

There are several types of life insurance available to help you. This is one reason you should consult with a knowledgeable Fort Worth Life Insurance Professional who can look at your individual needs. We can answer any questions you may have. We have the ability to give you rates from several different providers to get the best coverage at an affordable rate. Please call us so we can give you a free life insurance quote. Some of the types of insurance we offer are:

Term Life Insurance	Live Insurance
Whole Life Insurance	Survivorship Life Insurance
No Medical Exam Life Insurance	Refundable Premium

What are the differences between types of Life Insurance?

Term Life

Term Life is coverage for a specific time period. It sometimes called rented insurance. Term Life is often less expensive than permanent insurance. Term life is covertible meaning you can convert it to Permanent polciy.

Permanent Life

A Permanent Life Policy can earn interest and is not limited for a time period. Permanet policies can build cash value and you have the ability to use the built up amount for such needs as college tuition or a down payment. Some choose to let the built up reserves to pay for the premiums.

Refundable Premium

Sometimes referred to as “No Cost Insurance” refunds the premiums paid for Term Insurance in the event the covered person does not die.

I already have life insurance; why should I call you?

Even if you have life insurance currently we can review it too make sure it still meets your needs. It costs you nothing to have a review. It is always a good practice to have a professional assess your situation to review your benefits on a regular basis. Marriage, new children, new mortgages, and new employment are just a few occurrences when people should review their insurance plans. This will help give you the peace of mind of knowing that your loved ones will be financially secure in the event of an untimely passing.

Are there other things to help plan for my future?

We also show individuals how to take care of yourself and plan for your future including:

• Annuities
• Health Insurance
• Disability insurance
• Long-term care planning

There are new plans coming out that will allow you to have your premiums paid refunded to you if you do not die within the term. We will pay for the medical exam costs if needed to qualify for Life Insurance. As long as you pay your premiums on a timely basis your policy will never be canceled due to a change in health. Packaging different insurance plans together including auto and home owner can save money.

We can help small businesses in case of an untimely death or disability with Key Person Life Insurance.

Please call us or email us for a free quote or if you have any questions. 817-925-0924

We help individuals with their annuities, and term and whole life insurance needs in the North Texas area including the cities Fort Worth, Arlington, Coppell, Burleson, Joshua, Cleburne, Lewisville, Roanoke, North Richland Hills, Watauga, Lake Worth, Azle, Benbrook, Alvarado, Grapevine, Southlake, Keller, Hurst, Euless, Bedford, and Mansfield.