Sufficient life insurance coverage may offer financial security to your loved ones after you pass away. At [zy_company_name], we’re dedicated to helping you find the policy that aligns with your budget and needs.

How Does It Work?

Life insurance provides financial support to your beneficiaries after your passing. When you purchase a policy, you'll need to pay regular premiums to maintain coverage. Upon your death, your beneficiaries can file a claim with the insurance provider.

There are two types of life insurance:

• Term life insurance is generally the least expensive type of life insurance. It may cover you for a particular time frame, from 10 years to 340 years. It doesn’t offer a savings component, meaning there is no cash value after the policy term expires.

• Permanent life insurance may offer a cash value benefit as well as lifetime coverage if premiums are paid. This allows you to access some of the funds while still living.

There are various sub-types of life insurance within these categories. Talk to your broker to understand which option may be right for you, your family and your financial goals.

How Much Does a Policy Cost?

Your insurer may consider numerous factors when calculating your life insurance premiums. These may include:

• Age

• Sex

• Medical history

• Lifestyle (e.g., occupation, hobbies, tobacco use, alcohol consumption, etc.)

• Coverage limits

Here are a few ways that may help you lower your premiums:

• Get a policy while you’re still young.

• Live a healthy lifestyle.

• Avoid risky hobbies.

• Re-evaluate your policy riders.

Get Covered Today

Get in touch with Stewart Kriese Ins Agency, Inc. to learn more about our insurance offerings or request a no-obligation quote.