Life Insurance

You’d do anything to help protect your family. Life insurance can help protect their lifestyle and dreams by providing financial resources if you die prematurely. Community Insurance agents can help you determine an appropriate amount of coverage, then compare quotes from up to 20 top insurance companies.

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What Is Life Insurance?

Life insurance provides financial security for your loved ones if you can’t be there for them. If the insured person dies while the policy is active, the “death benefit” is paid to the policy beneficiary. The benefit amount is agreed upon when the policy is written and partly determines the cost of insurance.

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Life Insurance Coverage

Term Life

Active for a pre-determined length of time, typically 10, 20, or 30 years. Because they have a finite coverage period, they are the lowest cost form of life insurance.

Universal Life

A flexible policy that allows for specific policy terms, cash value accumulation, and other options.

Whole Life

Permanent policy that accumulates cash value and earns an interest rate. The policy will typically either pay out at death or age 100.

Return of Premium Term Life

A term policy that pays the sum of premiums back to the insured at the end of the term, if the policy was never used.

Instant Issue Term Life

A term policy that can be issued with limited underwriting and no medical exam.

Much More

There are many coverage options available. We’ll help you determine what coverage is right for your situation.

Life Insurance Uses

  • Final Expenses
  • Debt Coverage
  • Legacy Planning
  • Buy-Sell Agreements
  • College Funding
  • Income Replacement
  • And more

Discounts

  • Multi-Policy
  • Association
  • Paid-in-Full
  • And more

 

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