Life Insurance

Creating a safety net for your family is not something you should put off until it seems dire. Creating a safety net in the event something happens to you or your spouse by getting a life insurance policy could help drastically. Your family can then rest assured they have available funds to help take care of debt, college costs, funeral expenses or simply help keep them afloat during the turmoil of most likely the most difficult of times. Why wait for disastrous news of bad test results, failing health or old age? Planning ahead can make all the difference. Call us today at the Hurst Hofer Agency Inc. to get a Term or Whole Life Insurance Policy Quote Today! 

​

Understanding Which Insurance Policy Works Best for Your Family!

Whole Life-

   This type of policy covers the insured for the remainder of their life, even if they live over 100 years old. The policy also has the advantage of building cash value that can be borrowed against in the event it is needed.

Term Life-

  This type of policy is set to a specific time period which on average is 15-20 years in length. Depending on the age of the client, the premiums for this type of policy tend to be quite low, but may increase over time. Some term life policies will come with an option to convert to a whole life policy when ready to expire. 

Knowing your coverage needs, situation and what type of coverages you would like, will help you determine which policy is best for you and your family. 

Call us at 315-457-3580 for a free quote today!