Call Us 419-756-0033 ☰ ˟
Logo
Call Us 419-756-0033
  • Home
  • Main Menu
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Location Map
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Request ID Card for Auto Policy
    • Request Declaration and Coverages Page for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Auto Accident Claim
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
    • Manufactured Home Quote
    • Property Loss Claim Form
    • Homeowner Flood Quote Form
    • Request Evidence of Insurance
  • Renters
    • Renters Insurance Home
    • Renters Insurance Quote
    • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
    • Renters Property Loss Claim Form
  • Motorcycle
    • Motorcycle Insurance Home
    • Motorcycle Insurance Quote
    • Request ID Card for Motorcycle Policy
    • Request Declaration and Coverages Page for Motorcycle Policy
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Add Driver to Existing Motorcycle Policy
    • Remove Driver from Existing Motorcycle Policy
    • Motorcycle Accident Claim
  • Life
    • Life Insurance Home
    • Permanent Life Insurance Quote Form
    • Instant Term Life Insurance Quote
    • Request Declaration and Coverages Page for Existing Life Insurance Coverage
Auto and Home Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Renters

We browse through a wide variety of coverages and find the right one for you.

Learn More
Annuities Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Life Insurance Home

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form
Term Life Quote Form

Life Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request Declaration and Coverages Page for Existing Life Insurance Coverage

Life Insurance Information

The sad fact is that 40% of the US population has no life insurance, leading to financial tragedy to those left behind. 

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.  Blurring the line a bit are various types of universal life insurance. 

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.  Later in life, this cash value can be used in other ways, such as a supplement to retirement--and it is not necessarily dependent upon the stock market's performance.   The fact is that death is eminent for everyone, so owning permanent insurance leverages that fact.  It is the only type of insurance in which the payout (upon death) is a certainty. 

Some policies may allow riders to be added, such as coverage for a child, disability, or even long-term care and these are worth consideration. 

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances, needs, and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional and we're happy to help.

Contact Us Today!
419-756-0033

Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1111 Lexington Ave.
Mansfield, OH 44907

Ph: 419-756-0033 | Fx: 419-774-0803
© Copyright. All rights reserved. | Powered by Insurance Website Builder