Ensuring your family’s future well-being is something that everyone should make a priority – and that’s what life insurance is all about. With the right policy, you can make sure that your loved ones have financial security for years to come in the event that you pass away or become disabled. At Standard Mortgage Insurance Agency, we can help you evaluate your priorities, goals and expectations when it comes to life insurance. We’ll help you find the perfect policy that balances affordability with your desire to protect your family’s future as effectively as possible.
Whole life insurance is an affordable way for you to protect your family. This type of policy has a savings component that builds cash value over the years. It also offers set premiums that will never increase, as well as dividends that build value throughout the life of the policy.
This is the most basic type of life insurance you can purchase – and it’s also the least expensive way to obtain a death benefit in the short-term (20 years or less). Although it offers no dividends or savings components, this type of policy can be converted to a permanent policy, even if your health deteriorates.
This type of insurance is specifically designed to cover the costs of long-term healthcare brought on by serious injuries or illnesses. This may include home healthcare or care provided at various long-term care facilities. The cost of this type of policy depends upon your age, maximum dollar amounts the policy covers, number of years covered and other factors.
Disability insurance protects you and your family in the event that you are prevented from working due to an illness or injury. This type of policy ensures that your family will continue to receive the income needed to provide financial security should you become incapacitated.
For your convenience, you may request a quote online or contact us if you have questions or would like to discuss your insurance needs.