Permanent life insurance covers you for your entire life. It provides a death benefit to your beneficiaries, and also builds a cash value. There are several types of permanent life insurance policies to choose from, each of which can be customized based on your goals.
An independent agent in our network who specializes in life insurance can help you review the various options available to you, and compare permanent life insurance quotes from several different companies. Find an independent agent today to get the assistance you need to make the best choice for your family and goals.
How to Find the Best Permanent Life Insurance Quotes
- Make sure your credit record is clean and up to date
- Ask for several permanent life insurance quotes so you can compare
- Ask about any available discounts and special offers
Getting Accurate Permanent Life Insurance Quotes
When you are looking for the most accurate quotes, be sure to work with an agent. An independent agent can review all of your needs and help you identify the best type of coverage for you. You will need to make several decisions, such as:
- What size of policy do you want? This will be based on considerations such as:
- Your retirement goals
- Your dependents' cost of living
- Your children's anticipated college tuition costs
- The cost to pay off your mortgage and other debts
- Whether you want your life insurance to provide other benefits, such as donations to charity
- What type of permanent life insurance is best for you? You may want to compare several options and rates, including
- How do you want to pay your premiums? You will have options such as:
- Paying in one lump sum
- Paying a guaranteed fixed premium over the life of the policy
- Paying premiums that you adjust from year to year
- Eventually paying your premiums out of the cash value from your policy
Permanent life insurance is a very flexible tool that can be fully tailored to your needs. There are many options for how to create a plan based on what you want your policy to do for you and your family.
Working with an agent can help you to make these determinations and then get the most accurate permanent life insurance quotes based on the choices you make.
Important Considerations for Permanent Life Insurance Quotes
No two people have the exact same goals for their families and their retirement. When you compare permanent life insurance quotes, the policies you compare must be based on your specific needs.
Make sure the policy you choose has the coverage you need in terms of level premiums, death benefits and cash value when it matures.
Permanent life insurance can provide ongoing security in your retirement, as well as significant benefits to your loved ones when you pass on. Contact an independent agent who can provide all of the information you need to make an informed decision on the policy that is best suited to your needs and goals.