Life Insurance in Birmingham, Hoover, Vestavia Hills, Mountain Brook, Pelham and across Alabama

Also serving Georgia and Tennessee

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.  Term insurance is a good affordable life insurance option that can you give you a lot more coverage per dollar spent during the period of time that the coverage is needed.  This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Our office is in Alabama, but we happily serve customers in Tennessee and Georgia as well.  We proud to serve the people of Birmingham, Hoover, Vestavia Hills, Mountain Brook, Pelham and the surrounding areas.

Call us today at 205-291-4100 or fill out an online quote now.