Huntsville Alabama’s Life Insurance Experts
Southern Insurance Pros are life Insurance experts. We can absolutely find you the best policy for your needs, desires and budget. There isn’t a one-size-fits-all life insurance policy. That is why you need to talk to our life insurance experts. We will explain the various options and will determine if you need Term Insurance or Whole/Universal Life Insurance.
The first is called term life insurance, and it offers protection should a specified event occur. Once this specified event occurs (usually the death of the person insured), a claim is paid out in one lump sum.
WHOLE / UNIVERSAL LIFE INSURANCE:
The second type of life insurance policy is a policy that builds cash value as each premium is paid. Whole life and universal life are examples of such policies. Life insurance premiums are based on the level of risk that the insurer takes by insuring someone. For instance, barring any type of accidental death, it would cost more to insure an older person who has used tobacco for many years than it would cost to insure someone who is young with no history of tobacco use.
Age & Health Determine Your Premiums. Don’t put off getting life insurance until you are old. The premiums increase with every year of age.
Life insurance can be viewed as a way to take care of your family after you’re gone. The grieving process is difficult enough without having to worry about if your family can survive financially without you. For this reason and many others, life insurance is so important. Call Kelly Deford to discuss options for a life insurance policy today. Don’t put your family’s future in jeopardy another minute.
Reasons For Life Insurance
You do realize that we insure things that we want to protect, such as our cars, our health, our house, our boat, even vacations. However, a large percentage of people in Alabama do not have any form of Life Insurance. This is usually because most people don’t want to put off the inevitable–you are going to die. There is a 100% death rate in this world.
You are going to die one day so please don’t leave your family and friends having to deal with the burden and expense of your funeral. We feel that one of the most responsible things you can do for your family it to make a will and to have life insurance. At the time of your death your family can spend time mourning and being together rather than stressing about how to provide a funeral for you and what your wishes may have been. This is a terrible situation that occurs daily across this state. It is very sad and totally avoidable.
There are a number of options available for life insurance, regardless of your health or habits. Don’t let your fear of the expense prevent you from protecting your family from stress, embarrassment, and financial ruin. Get a life insurance quote today. You will be really surprised at how affordable it will be. You will feel like a million bucks knowing that you have protected your family in the event of your death.
Please call Southern Insurance Professionals today to make an appointment.
We can even come to you.