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Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

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What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Common Types of Life Insurance

Term Life Insurance
  • Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance
  • Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance
  • A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.
Variable Universal Life Insurance
  • Variable Universal Life Insurance is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The 'universal' component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.

    Contact us to learn more about the right life insurance for you.
​
(866) 906-4395​
Columbus, OH 43220
Click Here to Email Us
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Go Fund Your Life
Columbus, OH 43220
(866) 906-4395​
Click Here to Email Us

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  • Home
  • Quotes
    • Quote and Buy Online >
      • Property >
        • Home Insurance
        • Auto Insurance
        • Renters Insurance
      • Business >
        • Business Owners Package (BOP) Insurance
        • Commercial General Liability Insurance
        • Short Term General Liability
      • Life >
        • Term Life Only
        • Term Life (No Exam)
        • Whole Life (No Exam)
        • Life Insurance with living benefits
        • Life Insurance Planner
      • Health >
        • Health Insurance
        • Critical Illness Insurance Quote
        • Dental Insurance
        • Disability Insurance
        • Vision Insurance
      • Other >
        • Food Liability
        • Independent Beauty Professional
        • Trade Show
        • Travel Insurance
    • Have A Consultation With An Agent >
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Business Quotes >
        • Business Insurance
        • Business Owners Package (BOP) Insurance
        • General Liability Quote
        • Short Term General Liability Quote
        • Small Business Insurance Quote
        • Insurance Bond Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Guaranteed Issue Whole Life Quote
        • Disability Insurance Quote
        • Burial Policy Quote
      • Health Quotes >
        • Employee Group Benefits Quote
        • Long Term Care Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Financial Education
    • Financial Coaching
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Life/Financial >
      • Life Insurance
      • Term Life Insurance
      • Whole Life Insurance
      • Annuities
      • Guaranteed Issue Whole Life
      • Disability Insurance
      • Burial Policy
      • Financial Planning
    • Health >
      • Health Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Vision Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • General Liability
      • Commercial General Liability
      • Short Term General Liability
      • Group Benefits
      • Insurance Bonds
    • Other >
      • Event Insurance
      • Food Liability
      • Independent Beauty Professional
      • Trade Show
      • Umbrella Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • Join Our Team
    • America Saves Pledge
    • Life Insurance Awareness Month
    • Start Your Own Agency
    • Insurance Carriers
    • Our Store
    • News
    • Blog
  • Schedule a Consultation
    • Book an Appointment