Life Insurance Quote Forms
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Life Insurance Information
Planning for the future often involves planning for what will happen to your loved ones financially after your death. People in all walks of life should consider purchasing life insurance, as you never know what the future holds. Having these discussions, though, can be difficult, which is why we’re here to help. Contact Dorsey and Associates LLC today to learn more about how life insurance can help ensure your loved ones will be financially protected after your death.
How Does Life Insurance Work?
If you carry a life insurance policy on yourself, then you will designate a sum of money—a death benefit—that the insurance policy will provide to a designated beneficiary (usually a family member) upon your death. With access to life insurance funds, your family will be able to pick up the pieces of your loss and move on with their lives without facing monetary troubles.
Are All Life Insurance Policies the Same?
While all life insurance policies provide death benefits, they are not all the same. There are two primary types of life insurance:
Term Life Insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, then the policy does not pay. You will also have to reapply for a new policy if you want to continue to have coverage.
Whole Life Insurance—Whole life policies last for the remainder of your life once you enroll. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities; the cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).
Several more specific policies also exist, including:
Speak to one of our agents to learn more about which type of policy is best for your needs.
- Universal life insurance
- Final expense insurance
- Group life insurance
- Individual life insurance
- Key person (key men) insurance
- Long-term care insurance
- Mortgage protection insurance
- Second-to-die policy
How To Get Life Insurance
Dorsey and Associates, LLC is here to help you get the life insurance coverage you need. Our priority is to make life insurance affordable and attainable for everyone, no matter where they are in their life. Contact us to learn more about life insurance or request a free quote now.
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