What Life Insurance Is Right for You?
You have options when setting up the life insurance protection for your family. The first and most basic option is how much insurance to buy. To help you decide how much coverage you and your family need, you can use the Life Insurance Needs Analyzer. It gives you a fast assessment of how much coverage is right for you.
You will also need to decide how long you want the coverage to remain in force at the original premium.
In most cases, the longer your coverage will remain in force, the higher the required premium will be. However, if you need the insurance for a longer period of time, it is almost always cheaper in the long run to lock in the premium today (at your current age) than to let a shorter term expire and then reapply at an older age and, possibly, a less favorable underwriting class. Most term policies are offered with guaranteed level premium periods from 10 to 30 years (depending on how old you are when you first apply).
To start the process of putting your protection in place, choose from one of these three options:
Easy, Quick Coverage
Permanent Insurance
Permanent insurance provides lifelong protection and is known by a variety of names. These policies are designed and priced for you to keep over a long period of time. If you don't intend to keep the policy for the long term, it could be the wrong type of insurance for you. Click here for more information.
Term Insurance for More Than $250,000
If you need more than $250,000 in coverage or if you have some health issues that may affect your insurance, Wescom Insurance Services can help you. For this option, Wescom Insurance Services will need to collect some additional information about you, and, depending on how much coverage you are applying for, you may have to take an insurance exam at no cost to you. Click here for more information.
Universal Life Coverage
If you want Universal Life or Whole Life coverage for any amount, rely on Wescom Insurance Services. You may be able to get permanent life protection with an insurance product that builds cash value over time. Click here to request a quote.
