Life Insurance

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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:

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

Speak to one of our agents to learn more about which type of policy is best for your needs.

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.