Have you considered getting life insurance to protect your family, but need help understanding the different types of life insurance? Contact Life Insurance by Monique Navarro for personalized service you can trust.
Our independent insurance agency is locally owned and operated. We’re licensed, bonded, and insured. When you work with one of our agents, you’ll get the added benefit of working with a life insurance broker.
Since we are an independent team, we are able to shop policies at the best life insurance providers in Hurst. This allows us to compare rates so you end up with a policy that has the most coverage and benefits for the lowest possible price.
Term life insurance in Hurst is your best option for low cost life insurance. These policies will provide coverage for a set amount of time. There are policies available from one to 30 years.
Even though term life insurance will eventually expire, it provides a death benefit if the policy holder passes away unexpectedly. Additionally, some term life insurance policies have a premium return or cash back option.
If you choose a term life insurance policy with one of these options, you will be able to have a portion of your premium payments returned to you at the conclusion of the policy. This is a great choice if you want to save money for the future while having life insurance coverage.
If you want to have a life insurance policy that covers you for the rest of your life, you should consider whole life insurance in Hurst. Whole life insurance is a permanent insurance policy that builds cash value over time.
Policyholders are able to borrow money from the cash value of the whole life policy. They also benefit from having a premium that never increases and a death benefit that doesn’t decrease just because the policy holder ages.
Whole life insurance plans are secure and will provide coverage for as long as the premium is paid. The cost of a whole life policy depends on a number of factors, including age, health, and how much coverage is needed.
Universal life insurance policies are similar to whole life insurance policies in that they are a form of permanent life insurance and they build cash value. UIL life insurance builds cash value over time through investments made in the stock market.
These policies have flexible payment options available. As your policy’s cash value increases, it will earn interest. Policyholders are able to use the interest earned to pay their insurance premiums.
Universal life insurance in Hurst is also flexible in how much death benefit coverage is available. These policies allow policyholders to increase or decrease the death benefit as time passes.
If you’re having difficulty getting a life insurance policy due to your age or preexisting medical conditions, you might be eligible for a final expenses life insurance policy in Hurst. These policies provide funds for your end-of-life expenses. Beneficiaries can use funds from this policy to pay for your final medical bills, debts, legal expenses, and more.
To get a free, no-obligation quote for life insurance, call Life Insurance by Monique Navarro at (682) 249-4190. We’ll help you understand your options and help you pick a life insurance policy to protect your family.