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The only sure thing that comes to life is death. That's
why most people are looking forward to settle there
loved ones even before that time comes. The best way
for others is to purchase Life Insurance and to make
sure they do the right thing, is to know what types
of Life Insurance are out in the market.
Generally, the two categories of Life Insurance are
Term Insurance and Cash Value Insurance.
Term Life Insurance may be classified as the simplest
among life insurances because it only provides temporary
insurance protection in a specified period. It will
certainly provide benefit in the event of death, provided
that death occured in the specific time period. It
is also comparable to the other type of life insurance
because there is no cash value return. Remember, the
price you pay for term life insurance may be higher
than cash value insurance since the cost increases
as you get older. The trick as others may call it,
is to start young since its substantially cheaper
to purchase larger coverage. But if you’re planning
for a more secure financial future, think of the terms
because these usually expires in the long run. It
is not usually recommended for a term that would end
past the age of 80.
A Cash Value Life Insurance, on the other hand, has
its death benefit coupled with cash value earning.
On top of that, benefit will still be provided even
if you live to be a 100. It is said to be a win- win
situation since it is both a protection and a savings
plan in one. It is a more favorable option if you
project more need of insurance coverage all throughout
your lifetime. Cash Value Life Insurance is often
termed as Permanent Life Insurance. This policy can
be categorized to Whole Life, Universal Life and Variable
Life Insurance. You can differentiate each type by
how long term benefits are allocated.
Find Life Insurance Agents Or Companies
Whole Life Insurance is a permanent life
insurance coverage without the limitation of a specific
period like that of a term insurance. It guarantees
death benefit and premium. And since it builds cash
value, interest accrue and will be credited to your
fund policy.
Universal Life Insurance differs from whole life insurance
because it offers more flexibility.This said flexibility
allows the insurance policy owner to modify death
benefit, within certain conditions. Morever, the cash
value element, termed as savings vehicle, also earns
interest and is determined by the approved interest
rates.
Variable Life Insurance is unique because you, as
a policy owner, can allocate your premium payments
to different types of accounts and investments. Thus
giving you the power to earn more and benefit more
depending on the performance of your investments.
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Latest New Additions and Updates
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Will Wright Agency
2042 Beltline Road Southwest, # B100,
Decatur, AL 35601
http://www.farmers.com
(256) 351-2177
(256) 353-2416 Fax
Products & Services
* Auto
* Auto - Home - Life -
* Business Continuation Plans
* Combination Policies
* Employee Benefits
Brands
* Auto
* Commercial
* Farmers
* Farmers Insurance Group
Specialties
* Accounts Receivable
* Cabin Cruisers
* Campers
* Children & Teens
* Contents
Additional Information
Farmers Insurance Group Farmers
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Guardian Life Insurance Co-America
3233 Executive Park Circle,
Mobile, AL 36606
(251) 471-1178
(866) 678-1178 Toll Free
Products & Services
* Accident Coverage
* Health Insurance
* Life Insurance
* Long Term Care Insurance
Specialties
* Accident
* Medical
Contact name:
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Allison Agency Inc
408 2nd Avenue East,
Oneonta, AL 35121
http://www.allisonagency.net
(205) 625-4962
(205) 625-4961 Fax
Products & Services
* Auto
* Auto-Owners Insurance
* Boats
* Builder Risk
* Business
Specialties
* Medical
Additional Information
Allison Agency Insurance, Great Rates!, Knobs & Knockers, 5 Locations To Serve You
In Business Since
1970
Hours of Operation
Mon-Sat
Brands
* AIG
* American Modern Home Insurance Group
* Auto
* Auto-Owners Insurance
* FOREMOST INSURANCE COMPANY
Payment Options
* Monthly
* Payment Plans available
* Progressive
* Quarterly
* Semi-Annual
Certification & Affiliations
* Independent Insurance Agent
Contact name:
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Burch Agency
22975 Al Highway 24,
Moulton, AL 35650
www.burchagency.com
(256) 974-1110
(256) 974-1134 Fax
Products & Services
* Health Insurance
* Industrial Policies
* Life Insurance
Specialties
* Workers Compensation
Additional Information
Trusted Choice We Serve You First., Good Drivers, Bad Drivers, $ Saving Discounts, Commercial, Many Choices, One Agency, We Know Money
Certification & Affiliations
* PIA Professional Insurance Agents
Hours of Operation
Open 24 Hours/7 Days
Brands
* MetLife
* The Hartford
* Travelers
Payment Options
* All Major Cards Accepted
* American Express
* Diners
* discover
* MasterCard
Emergency Service
24 Hour Service
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Allison Agency Inc
87563 Us Highway 278,
Altoona, AL 35952
http://www.allisonagency.net
(205) 466-5555
(205) 466-5504 Fax
Products & Services
* Auto
* Auto-Owners Insurance
* Business
* Call for Quotes
* Drive
Specialties
* Medical
Additional Information
Allison Agency Insurance, Great Rates!, Knobs & Knockers, 5 Locations To Serve You
Hours of Operation
24 Hours/ 7 Days
Brands
* Auto
* Auto-Owners Insurance
* Drive
* GMAC Insurance
* Insurance From Progressive
Payment Options
* Progressive
* Travelers
Contact name:
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Selecflex Inc
401 5th Street Southeast, # A,
Decatur, AL 35601
(256) 351-0013
(256) 351-0014 Fax
Products & Services
* Benefits Consulting
* Employee Benefits
In Business Since
1985
Additional Information
SECTION 125 (CAFETERIA) PLAN, ADMINISTRATION AND FLEXIBLE SPENDING ACCOUNT SPECIALISTS
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State Farm Insurance
5030 Highway 280, # A,
Alexander City, AL 35010
http://www.statefarm.com
(256) 234-3481
(256) 234-7083 Fax
Products & Services
* Accident Coverage
* Bonds Issued
* Business Continuation Plans
* Combination Policies
* Commercial Claims
Brands
* State Farm
Certification & Affiliations
* Member FDIC
Specialties
* Avocations
* Construction
* Medical
Additional Information
Member Fdic, Equal Housing Lender, For Information Call A Participating
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Life Insurance CO of Alabama
310 Broad Street,
Gadsden, AL 35901
http://licoa.com
(256) 543-2022
(256) 549-0070 Fax
(800) 226-2371 Toll Free
Additional Information
Serving A Growing Southland
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Woodruff & Associates Insurance
365 Commercial Park Drive, # B,
Fairhope, AL 36532
(251) 990-0607
(251) 990-0503 Fax
Products & Services
* Accident Coverage
* Health Insurance
* Life Insurance
Additional Information
Have You Been Turned, Down For Life Or Health, We Shop Companies For You!, Life, Disability, Medicare Supplements, Drug Discount Cards, -FOR INFORMATION CALL-
Specialties
* Accident
* Medical
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New York Life
805 N Montgomery Avenue,
Sheffield, AL 35660
http://www.newyorklife.com
(256) 383-5044
Products & Services
* Annuities
* Annuities Services
* Asset Accumulation
* Asset Management
* Benefits Consulting
Specialties
* Employer-Sponsored Pensions
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