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Life insurance helps you plan ahead and provide financial security for your family when they would need it most. You can't put a dollar amount on your loved ones, but a life insurance policy can help ensure their future is protected. Your Guardian Agent can show you a number of coverage options and help tailor to your priorities and budget.

Let’s look at some of the coverage options available:

Term Life is a type of life insurance policy where premiums remain level for a specified period of time —generally for 10, 20 or 30 years. Coverage continues as long as the premiums are paid. This can be a good option to consider with a more limited budget and expectations to have significant expenses over a shorter period of time. You can often pay a lower premium when you select a shorter term — say, 10 years instead of 20. But since premiums are based on risk of death, once you are outside of the level premium period, a term life policy could get more expensive as you grow older.

Whole Life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. Premiums will stay level as long as the policy remains in force. Over time, permanent insurance can accumulate a cash value that can be helpful for meeting current needs.

Like Whole Life, universal life is permanent insurance that may also accumulate a cash value; however, it has the benefit of more flexibility. You can tailor a policy to meet changing priorities with a flexible premium and face amounts. Universal Life insurance also offers more control over how quickly cash value grows.

Guardian is proud to offer A rated life insurance options through partnerships with these great providers. Connect with a Guardian Agent and let’s get started meeting your life insurance needs.

334-819-7555 or
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