Are You Prepared? Get Life Insurance!

Even if you already have life insurance through your employer, you’re most likely underinsured. So, if you’d like to have the security of knowing that you have enough life insurance to take care of your family, it’s time to look into the various policies that are available. 

The right life insurance will protect you and your family, and the experts at Humbert Insurance are here to guide you so you can make a wise decision when it comes to the type of policy that will suit your needs best. 

Why Should You Consider Getting Life Insurance?

You’ve thought about health insurance, auto insurance, and, if you own a company, business insurance too. But have you thought about life insurance? 

If you aren’t sure about whether or not this type of insurance is necessary, consider the benefits that it can provide if you pass away: this insurance can help ensure your spouse and children will receive the financial support they need for everyday expenses and debts, as well as your funeral costs, especially if they depend on your earnings. 

Ultimately, life insurance can provide a level of peace of mind that you can’t get from other types of insurance. 

We’ll Help You Determine the Type of Life Insurance That’s Right for You

Because there are different types of life insurance policies, it can be difficult to navigate this all on your own. We’ll teach you about the pros and cons of each option that’s available. That way, you can sign up for the plan that’s suitable and provides the most comprehensive coverage at a price you can afford. 

• Term Life Insurance –

  • This is for a specified period of time. Also, it’s generally the most affordable way to buy a substantial amount of coverage.
    

• Whole Life Insurance –

  • This is a permanent policy that offers lifelong coverage in connection with a cash-value account. It’s generally more expensive than term insurance, but it’s designed to continue for an indefinite period of time, so it may provide extra assurance.
    

• Universal Life Insurance –

  • This is similar to whole life insurance, but the cash value is tied to the market rate of return. It is a more flexible product, too, when compared to whole life insurance because you can make changes to your premium payments and death benefit, at least to a certain degree. 

Why Choose Humbert for Your Life Insurance Needs?

At Humbert Insurance, our experts can provide you with professional guidance and personalized service that can be extremely helpful when you’re thinking about taking out a life insurance policy. This is a big decision, after all, and you want to be sure that you’re making prudent choices that will protect your loved ones. 

Whether you’re an individual or a business, we can help in the following ways:

• We write with a wide range of carriers. In fact, we work with practically all of the carriers in the life insurance market.
  

• We write term, whole, and universal life plans to suit your unique needs and expectations.
  

• We have products that include long-term care coverage, so you don’t have to buy two separate policies.
  

• We can write for everything from split dollar and executive bonus plans for business executives, to key man and buy/sell life policies.
  

• We can write guaranteed issue policies to individuals who find it difficult to get coverage. 

It’s Time to Get the Extra Life Insurance Protection You Need

Life insurance is an important type of coverage that can help you rest easy. Whether you have experience in purchasing this type of insurance or you’re totally new to it, we can help you figure it all out so you won’t feel overwhelmed or confused. 

When you’re ready to get started, contact us anytime to speak with one of our agents.