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Life Insurance Information
Life Insurance in North Carolina
Life insurance is valuable coverage that can help your family financially after your passing. This coverage is essential if you have dependents, such as children or a spouse, who depend on your income.
The agents at Grimes Insurance Group LLC can help you determine when or if coverage is the right option for you.
Types of Life Insurance
There are two basic types of life insurance: term life and permanent (also called whole) life. The type of life insurance policy that best suits you will depend on your unique needs.
Term Life Insurance
Term life insurance covers you for a specific period of time—or term—that you choose. Term life insurance is an inexpensive way to protect your beneficiaries.
Renewal term life insurance can be renewed at the end of the term at the option of the policyholder and without evidence of insurability for a limited number of successive terms. It can also be converted or exchanged for a permanent insurance policy without evidence of insurability down the road. Rates generally increase along with the insured’s age.
Whole Life Insurance
Whole (permanent) life insurance provides coverage that lasts a lifetime and also builds up a cash value that you can borrow against, withdraw or use to pay future premiums.
Permanent life insurance includes other forms of life insurance (aside from term), such as whole life, universal life and variable life. These policies combine term life insurance with a long-term, tax-sheltered savings plan.
While rates for a whole life insurance policy remain stable over the life of the policy, premiums are initially more expensive than for term insurance.
How Much Does Life Insurance Cost?
The cost of your life insurance policy will vary depending on your age, health, smoking status and weight. Contact your insurance agent to get a quote for coverage.
Learn More About Life Insurance
At Grimes Insurance Group, we can help you navigate life insurance and its complexities. Finding the right policy for you and your needs is important. Contact your agent to get started on coverage today.