Tennessee and Kentucky Life Insurance
Your Life Insurance Options in Tennessee & Kentucky
When it comes to purchasing life insurance in Tennessee & Kentucky, you have several options, including:
- Term Life Insurance. Term life insurance provides an affordable way to protect your family. This type of life insurance expires without value if the insured lives beyond the life of the policy. Typically, term life insurance policies last between 5 and 20 years and remain in force for as long as premiums remain current.
- Universal Life Insurance. With universal life insurance, you gain incredible flexibility. You get the low-cost protection of term life insurance as well as a saving element (much like whole life insurance). The death, savings, and premiums can be reviewed and changed as circumstances change. Plus, interest from savings can be used toward premium payments.
- Whole Life Insurance. This is a form of permanent life insurance, which includes guaranteed premiums, death benefits, and cash value. You may want whole life insurance if you desire protection for life, consistent payments, cash value while you are still living and the ability to add money to the policy on a tax-favored basis.
Choosing The Right Life Insurance
Which life insurance you choose will be based on your individual circumstances and preferences. We will work closely with you so that you have a clear sense of your needs and options. To learn more, please read our post, The Fundamentals of Life Insurance.