Life Insurance Quote Forms
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Life Insurance Information
Life Insurance Quote
Life is unpredictable, but there is one thing you can do with confidence: Buy life insurance to give your loved ones financial support after you die. A specified amount of money—a death benefit—is paid to those you’ve chosen after you die.
Understanding your circumstances and financial goals can help you select a suitable life insurance policy. The DeLuca Agency has numerous policy options and can help you with coverage that fits your needs.
Why Is Life Insurance Important?
Ensuring loved ones are monetarily cared for is a key reason many purchase life insurance. This financial help can let your beneficiaries:
- Pay off other debts
- Pay for a child’s college education
- Provide financial assistance for different needs, such as elder care
- Pay off a mortgage
- Replace lost income
What Are the Types of Life Insurance?
There are numerous types of life insurance, but many people choose from two main types:
Term life insurance provides money to your beneficiary if you die during the policy’s term. This term may be a period of 10, 20, 30 or more years, depending on the policy’s expiration date. If you don’t die during this time, the policy doesn’t pay, and you need to reapply for a new life insurance policy to continue coverage.
Whole life insurance lasts for the remainder of your life once you enroll. The policy won’t expire unless you stop paying it. This plan also offers a cash value investment opportunity, and the cash value component can be a source of income while you’re alive—in addition to the eventual death benefit.
Other types of life insurance may also be beneficial. We can explore if any of these additional types of coverage would be advantageous to have:
- 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 Life Insurance Do I Need?
Numerous people relate the value of their life insurance with their debt. With a life insurance policy, your beneficiaries can use your death benefit to settle any outstanding bills.
Other people associate their income with their death benefit and choose to leave some of their salary to their beneficiaries. It’s your insurance policy and your decision on what you want to do with the benefit.
Your life insurance premium will vary depending on your coverage, age, health and income.
Protect Your Loved Ones
Choosing an appropriate life insurance policy is a crucial decision. When you pick us, you can trust that we’ll take the time to understand your situation and what insurance policy is best for you.
Call The DeLuca Agency at 720-484-3732 to get started on your life insurance policy.