Life Insurance from Kintz Insurance Agency
If you have a family to protect, a sound life insurance program
is the perfect solution. There are two basic types of life insurance
needs: temporary and permanent.
Temporary needs include home mortgages or short-term debt reduction,
family income and educational expenses and can last as little as
one year or last 20 to 30 years or longer. Term insurance is the
most cost effective method of insuring many short-term needs. There
are a variety of plans to choose from, ranging from an annual renewable
term (1 year plan) to a level term plan that could last 5, 10, 20
or 30 years.
Permanent needs include those that
last for your entire life or potentially for periods of 15 years
or more. Permanent insurance
needs include final expenses, funds to cover estate taxes and retirement
savings protection. Permanent and universal life plans are ideally
suited for meeting these goals.
The primary purpose of life insurance is to provide cash for your
family in the event of your death to ensure that they can remain
in their home and continue to maintain an adequate standard of living.
There are a number of factors that determine the cost you pay for
life insurance including:
- Age
- Health
- Tobacco use
- Occupation
- Hobbies
If you are interested in obtaining more information or a quote, contact
us.
