LIFE INSURANCE

LIFE INSURANCE
LIFE QUOTE FORM

LIFE INSURANCE PLANS

When an unexpected death occurs, life insurance can truly be a life saver for your loved ones.  We work with over 200 companies to get you the best rate!   

Of course, people would rather not think about it, but life insurance can be a lifesaver for your loved ones. When a death occurs, the money from life insurance can save your house, pay college tuition, help keep bills paid and make up for lost income.

Always try to “lock in” a low rate while you’re in good health. That premium will remain the same for the number of years or the “term” you select–10 to 40–regardless of your advancing age or any health conditions that could develop. If your circumstances change, you can cancel the policy any time.

Typically, we can help keep the rate low for more years than your policy provides by finding a replacement policy with low rates from another company to extend your “term” (number of years) for the rate to stay the same.

For example, if you had purchased a life insurance policy four years ago with a guaranteed rate for ten years, you would only have six years left at that rate. If you are in good health, however, you could replace that policy with another 10-year term policy giving you a guaranteed rate for an additional ten years. That would add another six years which would make your original 10-year policy into sixteen years at the same rate!

Even if the new policy is somewhat higher than your current one, it is always to your advantage to extend the number of years you can “lock in” the rate as soon as possible. Premiums increase for new policies with age and new health issues, and some medical conditions are even automatically declined for life insurance.

Because it is always a good idea to replace or add to your existing policy, we shop around to find the best plan at the lowest rate as we represent all the top-rated companies.

LIFE INSURANCE PLANS

When an unexpected death occurs, life insurance can truly be a life saver for your loved ones.  We work with over 200 companies to get you the best rate!   

Of course, people would rather not think about it, but life insurance can be a lifesaver for your loved ones. When a death occurs, the money from life insurance can save your house, pay college tuition, help keep bills paid and make up for lost income.

Always try to “lock in” a low rate while you’re in good health. That premium will remain the same for the number of years or the “term” you select–10 to 40–regardless of your advancing age or any health conditions that could develop. If your circumstances change, you can cancel the policy any time.

Typically, we can help keep the rate low for more years than your policy provides by finding a replacement policy with low rates from another company to extend your “term” (number of years) for the rate to stay the same.

For example, if you had purchased a life insurance policy four years ago with a guaranteed rate for ten years, you would only have six years left at that rate. If you are in good health, however, you could replace that policy with another 10-year term policy giving you a guaranteed rate for an additional ten years. That would add another six years which would make your original 10-year policy into sixteen years at the same rate!

Even if the new policy is somewhat higher than your current one, it is always to your advantage to extend the number of years you can “lock in” the rate as soon as possible. Premiums increase for new policies with age and new health issues, and some medical conditions are even automatically declined for life insurance.

Because it is always a good idea to replace or add to your existing policy, we shop around to find the best plan at the lowest rate as we represent all the top-rated companies.

life INSURANCE QUOTE FORM

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Insurance Depot is a family business started in 1970. We specialize in finding the best plan at the lowest rate to fit your needs and budget. When you become a client of Insurance Depot, you have made a friend for life. You can reach out to us anytime, day or night. We are always available after the sale to take care of all your insurance needs

Notice of Confidentiality

Any information shared on this website is considered protected health information, referred to as PHI.  As health insurance agents, we are bound by the Health Insurance Portability and Accountability Act, commonly known as HIPPA.  This prohibits us by law to disclose or disseminate any personal information or PHI collected to quote, sell, or provide ongoing service to your policy.  All of our licensing information is available on the “About Us” page. 

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