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Life Insurance Information

Term or Permanent Life Insurance - Provide Security For Your Loved Ones

Mishawaka, Elkhart, South Bend, Laporte, Goshen, Michigan City, Kingsbury, Granger, Bremen, Plymouth, Middlebury, New Carlisle and Westville Indiana

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.


Term Insurance

This type of life 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. Term life 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.


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 over a long period of time.

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.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Thank your for your interest in A-Agency Insurance (a Division of Treesh Insurance Agency). Ready to begin your quote? Use our quick and easy quote form. If you still have questions or would just like to speak to one of our insurance professionals, please call our office at 574.968.9680 or you can email your questions and an agent will reply promptly.
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