Life Insurance Options for Every Individual

In the present market for insurance, there are so many different life insurance policies and coverage options available that it is becoming increasingly difficult to keep track of it all. Insurance agencies can structure and customize life insurance packages to suit the unique needs of each individual client. Depending on an individual's assets, income, and dependents, insurance companies can develop coverage scenarios that financially protect families in the event of tragic circumstances.

St. Louis Insurance Company is an independent insurance agency operating out of St. Louis, Missouri. We work with many different carriers to offer a wide range of insurance policy options, including life insurance. We understand that every client is unique and that life insurance policy structuring requires the utmost care and attention. Our client-oriented approach has helped us to grow and develop a strong foothold within the life insurance industry.

To request life insurance quotes or to learn more about your options for life insurance policies, contact us.

Types of Life Insurance

Sorting out and comparing life insurance policies can be a daunting task. Determining the best life insurance solutions requires evaluating an individual's needs based on lifestyle, age, health, assets and income. Our team, at St. Louis Insurance Company, can compare policies from many different carriers to provide our clients with quality life insurance package options, which offer competitive premiums and coverage options.

As an independent insurance agency, we work with many different life insurance carries, and we provide primarily three kinds of life insurance policy options to choose from:

• Term Life Insurance: As the name suggests, term life is an insurance policy that is valid for a particular duration of time. Once the period expires, an individual must either renew the insurance policy with renegotiated premium rates or discontinue their relationship with the insurance company. These policies are typically purchased by individuals who may have mortgages on their homes or short term needs and who are looking to safeguard their families in the event of premature death. Individuals who have young children may also opt for term life insurance until their children no longer need financial support from them. Term life insurance policies typically have lower premiums with higher coverage options, which makes them a more affordable option. The downside to term life policies is that they do not accumulate equity and do not have any cash-value in the policy.
• Whole Life Insurance: On the other hand, whole life is an insurance policy that is permanent in nature and builds cash values. Individuals who are looking to secure their families' needs in the future may want to use whole life insurance for that purpose. These kinds of policies differ from term life insurance as they usually have higher premiums. Although they are more expensive, they can be extremely valuable in the future as they build cash values and rates will not increase. Whole life insurance policies may also pay dividends depending on your coverage. Whole life insurance can ensure that your family's financial future is protected in many different types of circumstances.
• Combination Term and Whole Life Insurance: At St. Louis Insurance Company, we also offer a combination of the two policies with term and whole life combined policies. They can have options to purchase term life insurance over specific periods in time which are specified in the policy. These kinds of policies are growing in popularity thanks to the flexibility they afford.

Get Assistance Choosing the Right Life Insurance Policy for You

Life insurance policies become all the more important when you have loved ones that you need to take care of in the event of tragedy. Choosing the best life insurance policy can be confusing, as it requires you to carefully analyze your future earnings and evaluate your assets. Moreover, your policy needs may change over time as your income and assets change. St. Louis Insurance Company understands the complications and problems that people face when comparing life insurance policies. At our agency, you will find a team of core professionals, with a wealth of experience in the industry that can help you structure an insurance policy that provides maximum benefit to you and your family.

Contact St. Louis Insurance Company to Find the Best Life Insurance Premiums & Great Coverage

Protect and preserve the future of your family by contacting St. Louis Insurance Company today. We can help you understand and compare life insurance policies from many different carries and help you select the best option.