Kennedale Life Insurance

Picking a life insurance policy can be difficult if you aren’t familiar with the different benefits, coverage options, and costs. Let the experts at Life Insurance by Monique Navarro help you understand the different types of life insurance and pick a life insurance policy to protect your family.

Life Insurance by Monique Navarro is a well-established, independent, locally owned and operated insurance agency. Our staff is highly trained and knows how to work with the various life insurance providers in Kennedale to maximize your coverage and minimize your costs. Call us today for a free, no-obligation life insurance quote.

Whole Life Insurance

Many people want their life insurance to cover them for the remainder of their life and provide a significant sum of money to their family members when they pass away. If this sounds like the life insurance you want, the you need whole life insurance in Kennedale.

Whole life insurance is a permanent policy that won’t expire after a designated term. The policy will build cash value and provide a death benefit when the policyholder dies. The cash value can be borrowed against once the policy has reached a specific maturity.

The premium cost will not increase as the policyholder ages. The death benefits are determined at the beginning of the policy and will not change throughout the length of the policy.

Universal Life Insurance

If you’re interested in whole life insurance, but you want more flexibility, then you should consider a policy for universal life insurance in Kennedale. Universal life insurance is a permanent life insurance that provides the policyholder flexibility in how they pay payments as well as allows them to adjust their death benefits.

UIL life insurance will earn interest from investments made in the stock market. Policyholders can use the earned interest to pay their policy’s premium payments, which can help cover the cost of the policy.

Unlike other policies where policyholders can only increase the death benefit coverage, universal life policies allow policyholders to increase and decrease their death benefit. This can be helpful if a policyholder wants to decrease their premium as they age.

Final Expenses Life Insurance

Most permanent life insurance plans require the policyholder to undergo a medical evaluation. If you do not want to undergo an evaluation or you are unable to get whole or universal life insurance, you should consider final expenses life insurance in Kennedale.

These policies make it possible for policyholders to cover their end-of-life expenses so their family is not burdened with medical or burial costs. The death benefit may also cover other expenses, like legal expenses or outstanding debts.

Term Life Insurance

One of the most cost effective insurance policies is a term life insurance policy. These policies last for a specified amount of time, anywhere from one to 30 years. A policy for term life insurance in Kennedale can financially benefit your family in the event you pass away unexpectedly.

Term life insurance policies are also unlike permanent policies in that they do not build cash value. There are policies available with cash back or premium return options. Choosing a policy with this option would act like a savings account; a percentage of the premiums would be returned at the conclusion of the policy’s term.

To get the best life insurance coverage at the lowest rate, call Life Insurance by Monique Navarro at (951)710-0799. We’ll help you choose a policy and provide you with a free quote.