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Life Insurance Information

Insurance for The Protection of The People That Are Left Behind
Serving Illinois, Indiana and Ohio

The way to know if you are talking to a life insurance agent that is looking out for your best interest is to pay attention to the first thing that they say to you. When someone comes in to our agency looking for life insurance the first thing we will ask is "what problem are you trying to solve". There are a lot of products that allow many different options that can be employed to fit all kinds of unique circumstances, If you talk to someone that starts to sell you something without asking you what problem you are trying to solve, they are more concerned with what they can sell you then what you need. 

Generally there are two main types of life insurance: term insurance and permanent insurance.  

Term Insurance
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. This is a way to "rent"  life insurance.

Permanent Insurance
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep for the rest of your life.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. The best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with us and go over your needs. Use our quick and easy quote form and start saving on your life insurance today. If you would like to speak to one of our insurance professionals please call our office at 815-432-5401 or email us your questions and an agent will reply promptly. 

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