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In less than a few minutes, you can have a life insurance quote that meets your specific personal and financial needs.

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Acquiring life insurance can be a daunting task. With so many carriers out there, numerous options for the types of life insurance available, and varying degrees of coverage, you can trust First Family Insurance to guide you into the right life insurance plan that meets your needs and your budget.

A life insurance policy states that you will pay premiums to an insurance company over time, and, in exchange, the company will pay a lump sum amount to a designated beneficiary upon your death. The money from your life insurance policy can help pay bills and help support your surviving family members’ living expenses. You may need to adjust the amount of your life insurance policy related to major life events, like buying a home, getting married, or having a child.

There are two main types of life insurance policies:

Whole (or universal) life insurance policies are considered permanent. As long as you pay the premium, the policy is in effect. In addition to paying a benefit upon your death, whole life insurance policies also have an investment or savings component. This means that you accumulate cash value over the life of the policy, so you can borrow money from these types of policies if you need to.

Term life insurance policies are in effect for a certain period of time, or term. If you have this type of policy and pass away during the term that the policy is in effect, the insurance company will pay a benefit. If you live past the time that the policy is in effect, the insurance company won’t pay a benefit or give you a refund.

Term life insurance policies are usually less expensive than whole life insurance policies. This is because term life insurance policies only cover a set amount of time, while whole life insurance policies are intended to be permanent and because part of the money you pay is put away for savings.

Most people buy life insurance to provide financial security for their families upon the death of the insured person. If this is your reason, the first step in calculating how much insurance to buy is to identify your dependents’ likely financial needs. If you are married, in a civil union, or have a significant other, you will want enough coverage to minimize your spouse’s or partner’s financial need after you are gone. If you have dependent children, you may want to help pay for their college tuition and other expenses. If your annual living expenses such as a mortgage on your home, personal or car loans, or property taxes are fairly high, you will need more insurance than someone whose home mortgage is fully paid for.

You may also want enough coverage to ensure that your dependents do not have to pay for your final expenses, such as hospital bills and burial costs.

John Doe

Aaron
Current Client

"First Family Insurance was unbelievably helpful to me when I needed to purchase a life policy. My agent went above and beyond what most would do in her place."

Working with First Family Insurance

First Family Insurance makes the process of acquiring insurance easy, providing you simple to understand health insurance information.

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Access to the Best Plans

Our nation’s top carriers have recognized our commitment to excellence. This recognition has granted us access to plans reserved for top performing agencies.

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Experienced in the Industry

With more than 10 years of serving clients, our agency has been able to navigate through the many changes to healthcare throughout the years.

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We believe simplicity makes things better for everyone. Let us guide you through the insurance market and help you make the best decision for you and your family.

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We create and maintain lasting relationships with each of our clients through trust and reliability.

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Budget Friendly Plans

First Family Insurance has been a trusted source of affordable insurance for more than 10 years. We have many plan options that fit within your budget.

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Our Clients Come First

By taking the time to understand your individual needs, your risk assessment, and your financial goals, we are able to find the plan that's right for you.