Life Insurance Quote Forms
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Life Insurance Information
You may be concerned that your loved ones will need financial support after you die. Their well-being may be your motivation for looking into life insurance and how a policy might give them a financial safeguard. J M Hamilton & Associates can help you explore your life insurance options and help you with an approach that can provide you with peace of mind.
What Is Life Insurance?
Life insurance is a type of insurance policy that lets you leave a designated sum of money to your loved ones upon your death. Your beneficiaries receive a set amount of money—a death benefit—at the end of the policy’s term or following your death, which they can use as they see fit.
What Are the Types of Life Insurance?
There are numerous types of life insurance; however, most people choose these two primary types of coverage.
Term life insurance may provide money to your beneficiaries if you die during your term. This term could be a period of 10, 20, 30 or more years, depending on your policy’s expiration date. If you don’t die during this period, your policy won’t pay, and you must reapply for a new policy to continue coverage.
Whole life insurance lasts for the remainder of your life once you’ve enrolled, and your policy won’t expire unless you stop paying your premiums. Whole life can also provide a cash value investment opportunity, which might provide a revenue source while you’re alive in addition to the eventual death benefit.
We can discuss whether any other coverage types apply to your particular situation. Some of these different types of insurance include the following:
- Final expense insurance
- Group life insurance
- Individual life insurance
- Key person insurance
- Long-term care insurance
- Mortgage protection insurance
- Second-to-die policy
- Universal life insurance
How Much Does Life Insurance Cost?
Your life insurance policy premium depends on your chosen coverage, age, overall health and other factors. We can help you understand how we calculate your premium.
Protect Your Loved Ones
The decision to purchase life insurance and your plans for how the death benefit will be used is personal. We can help you make a decision that meets your needs for your loved ones.
J M Hamilton & Associates delivers quality insurance solutions to North Carolina, South Carolina, Georgia and Virginia communities. Call 704-364-0833 to speak with us about your life insurance needs.