Life Insurance

The loss of a loved one is one of the most difficult life events for you or your family to experience. In addition to dealing with grief, financial struggles can follow and cause even more stress. Fortunately, the right life insurance policy can help alleviate these issues.

The insurance experts at Marietta Insurance Services are here to help you and your family through these difficult times. For over 25 years, our agents have devoted their knowledge and experience to helping people in the Marietta area protect themselves with the right insurance solutions.

Why Do I Need Life Insurance?

After a person passes away, their family and loved ones are likely to be saddled with many responsibilities amid their mourning process. Most life insurance policies can provide critical financial assistance for the following expenses:

·        Funeral and burial costs

·        Taxes and debts

·        Administrative costs

In addition to covering these costs, life insurance may be vital in helping people who depended on the income of the deceased maintain their quality of life.

What Are the Principal Types of Life Insurance?

There are many different types of life insurance, but most fall under two primary classifications:

·        Term life insurance provides coverage for a predetermined length of time. As such, the policy will only provide a payout if the insured dies during that period. This type of coverage may be the right choice for parents who want to make sure their children can be provided for at least until they reach adulthood or for homeowners with a mortgage to pay off.

·        Whole life insurance, also known as permanent life insurance, has no term limits and will provide coverage throughout the insured’s entire life. In addition, this type of policy can also accumulate cash value, which the policyholder or beneficiaries may be able to access for other means. For example, it may be possible to take out a loan against a whole life insurance policy’s accrued value.

How Much Does Life Insurance Cost?

Like most insurance policies, the cost of life insurance will vary based on several factors. In general, providers will consider the following:

·        Policy details (e.g., type and payout amount)

·        Age

·        Gender

·        Medical history

·        Family history

·        Lifestyle

·        Occupation

Get the Right Coverage

The agents at Marietta Insurance Services are prepared to work with you to help find the right life insurance policies that can provide peace of mind for you and your family. Contact us today to get started.