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Life Insurance Information
PROTECT WHAT MATTERS MOST
Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At McGuire Insurance Agency, we’ll work with you to keep your family protected.
A proper life insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At McGuire Insurance Agency, we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your life insurance options with a specialist you can trust.
Whatever your situation, we offer life insurance options such as:
Individual Life Insurance
Group Life Insurance
Long-Term Care Insurance
Mortgage Protection Insurance
Key Person (Key Men) Insurance
WHY LIFE INSURANCE?
Life insurance is one of the most important investments you can make. It’s an investment in yourself and the future of your loved ones, and it’s a way to secure your financial responsibilities to your family.
Your life insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.
What Is Life Insurance?
Life insurance enables you to leave a chosen sum of money when you die—or at the end of your policy’s term—to your loved ones (e.g., beneficiaries), who can use this death benefit as they wish.
Many people choose between two main types of coverage.
- Term life insurance can provide 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 your policy’s expiration date. If you don’t die during this time, the policy doesn’t pay, and you must reapply for a new policy to continue coverage.
- Whole life insurance lasts for the remainder of your life once you’ve enrolled, and the policy won’t expire unless you stop paying it. Whole life coverage can also provide a cash value investment opportunity, which can be a source of income while you’re alive and the eventual death benefit.
There may be other types of life insurance that may be worth exploring, depending on your specific needs. We can help you select a life insurance policy that’s suitable for you.
What Does Life Insurance Cover?
A life insurance policy usually covers most causes of death. However, there may be specific reasons that could prevent your beneficiaries from receiving their death benefit. We can discuss what your life insurance policy will or will not cover, depending on your selected policy.
Do I Need Life Insurance?
Life insurance is a personal decision and depends on your circumstances. We can help you if you’re uncertain of how much coverage—or the type of life insurance—you may need.
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