Life Insurance

What is Life Insurance?

Life Insurance is a contract with an insurance company in exchange for premium payments. The insurance company will provide a lump-sum payment to beneficiaries upon the insured’s death. This is called a Death Benefit. Typically, Life insurance is chosen based on the needs of the owner. The goal of Life insurance is to provide a measure of financial security for the family of the insured in the event of death. The three main components of a Life insurance contract are a death benefit, a premium payment and, in the case of permanent life insurance, a cash value account.

Our Life Insurance Services:

We offer the following Life Insurance. Click a service to learn more, or get your free quote started today.

A Few Reasons to Buy Life Insurance:

  • To Pay Final Expenses
  • To Cover Children’s Expenses
  • To Replace Spouse’s Income
  • To Pay Off Debt
  • To Buy a Business Partner’s Shares
  • To Pay Off Estate Taxes

Life Insurance is important because it protects your loved one. It can leave an inheritance, add more financial security, pay off debts and other expenses and most importantly, provide peace of mind.

Why Buy Life Insurance When You’re Young:

  • Younger = Cheaper
  • Healthier = Cheaper
  • You Can Supplement the Life Insurance Policy You Obtained Through Your Employer

How Much Life Insurance Do You Need?

The amount of Life Insurance you need depends on you. Here are some questions to ask yourself:

  • How much debt do you have other than your mortgage?
  • How much do you spend each month?
  • How much do you save each month?
  • What are your longer-term saving goals?
  • How much income do your survivors need if you aren’t around?

How to Find the Right Life Insurance Policy for You

Term Life Insurance

  • You need a large amount of life insurance, but have a limited budget
  • You need Life insurance for a specific period of time

Permanent Life Insurance

  • You need Life insurance for as long as you live
  • You want to accumulate a savings element that will grow and can be borrowed.

Who Can Be a Life Insurance Beneficiary?

Life Insurance Beneficiaries can be any of the following:

  • One, two or more people
  • A Trust you’ve set up, with the proceeds administered by a trustee
  • A Charity
  • Your Estate

How Can American Integrity Insurance Solutions Help You with a Life Insurance Quote?

American Integrity Insurance Solutions is an independent insurance consulting agency that partners with dozens of carriers to provide people with unbiased advice on a variety of insurance products.

Our team is readily available to craft a policy that custom fits to your needs. We promise to not only provide a policy fulfilling your specific needs, but also to help you understand how and what it protects you against.

Get a Free Quote Today

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