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Individual Insurance Products - Life
Heart of Georgia Insurance Brokers can provide many different plans for life Insurance, including term life, whole life, universal life and variable universal life insurance. All types of life insurance pay the beneficiary a fixed amount of money upon the death of the policy holder.
Term life insurance is the most affordable plan available. Term life has a fixed period of time, usually between one and 30 years. Generally, there is no cash value associated with a term life policy. Whole life insurance builds cash value and, in some cases, pays dividends. Both term life and whole life insurance may provide fixed monthly premiums.
If a fixed monthly premium is not what you were thinking about, you may want to consider universal life insurance. Universal life is interest sensitive and you can change the benefits as your life-style changes. Variable universal life insurance invests the cash value of your plan in various stocks and bonds. However, the cash payment upon the death of the policy holder is dependent on market performance.
Heart of Georgia Insurance Brokers has knowledgeable staff members who can help customize a life insurance policy for you. Please contact us today for more information.