Jefferson City Life Insurance Agent

Ashley Swegle is a multi line insurance agent in Camdenton who specializes in auto, home, life, annuities, agricultural and commercial insurance. Serving Camdenton, Osage Beach, Lake Ozark and the surrounding Lake of the Ozarks.

Protect Your Family With Life Insurance

When it comes to choosing the right life insurance for your needs, working with a licensed and knowledgeable life insurance agent can make all the difference. It can be overwhelming to think of everything you want to consider in the event of your death. Life insurance can ensure that those you leave behind are looked after and comfortable after your passing. Whether you want to leave money to a local charity or you want to ensure your children have funds for college, there’s a life insurance policy for you.

What are the Different Types of Life Insurance Policies?

Regardless of age, location, or health, there is a life insurance policy for you. When considering life insurance coverage, it is important to ask yourself whether you want to be covered for part or all of your life.

If you want coverage for a period of your life, term life insurance might be right for you. This is the kind of life insurance that many people have, and it covers people until a certain age. Depending on how old you are when you apply for life insurance, term life insurance might make the most sense from a financial standpoint and help you space out premium payments over a more extended period.

If you want coverage for the rest of your life, whole life or permanent life insurance plan might be right for you. Depending on your age and your health, you could get quality life insurance coverage that will never expire. That means that no matter how old you live to be, there will be money waiting for your family after you pass away. That can add a great deal of comfort for people who decide to get life insurance later in life. Most life insurance policies require applicants to be 85 years or younger when applying for whole or permanent life insurance.

Final expenses are often hard to cover for many families when someone suddenly passes away. When you decide to get life insurance to cover the cost of your final funeral expenses, you are relieving your family of a significant burden that they might not otherwise be able to pay. For small monthly payments, you can ensure that your loved ones are not left with the responsibility of paying for costly funeral expenses.

How Much Does Life Insurance Cost?

Your monthly premiums depend on many factors. These include your age, gender, geographic region, health conditions and any existing medical conditions that you might have. Some life insurance policies examine the risk associated with developing certain conditions as well. Also, the more coverage you want, the more it will cost. But don’t worry, when you work with a professional life insurance advisor, you’ll be able to find a life insurance policy that will fit your needs. The average life insurance policy is very affordable, and the younger and healthier you are, the lower your monthly premiums will be. Most insurance plans can be set up for a few dollars a month.

What Should You Consider When Purchasing Life Insurance?

When it comes to getting life insurance, you’ll need to make a list of things you need to cover at the time of your passing. For example, if you anticipate still owing money on your mortgage, you’ll need to include enough life insurance money to pay that off, if you wish to do so. If you want to put money away for your children to go to college, you’ll need to calculate how much that would cost. If you’re going to pay off debts, you should determine how much debt you currently have and any future deficits you might take on, such as a new car payment or second property. If you want to ensure your spouse doesn’t need to worry about money, you’ll need to calculate how much it costs to maintain the home, car, property, living expenses and more. We can help you determine an appropriate amount of life insurance to suit your needs and wishes for your family.

Contact Us Today

Want to learn more about how life insurance coverage can help you have peace of mind about leaving your loved ones behind? Reach out to our knowledgeable and friendly insurance advisors today. At Ashley Swegle Agency we can help you decide which life insurance product is right for you and your family.

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