Life Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Life Insurance Information
Protect What Matters Most.
Life insurance is a policy that can help protect your loved ones from financial hardship when you pass away. Without life insurance, your family may be left worrying about how they’re going to pay for bills you used to pay for, for example. Your policy can help cover various everyday expenses and give your family peace of mind after your passing. Contact your Johl & Company agent today if you’re interested in coverage.
Common Life Insurance Questions:
What Is Life Insurance?
Life insurance is a contract between you and your insurer where you pay a premium in exchange for a death benefit. A death benefit is an allotted amount of money your beneficiaries receive after your death. However, this money can be used in whatever ways the beneficiary sees fit such as bills, mortgage payments, and car payments.
There are two types of insurance policies available for you to purchase:
Which policy you choose is up to you and your needs at the time. If you’re unsure which policy suits you, contact an agent today to learn more.
Term life insurance has a specified coverage period but can usually be renewed or converted into a permanent policy at the end of a term. Premiums are generally affordable initially but can substantially increase when renewed.
Permanent life insurance is life-long coverage that generally includes a cash value savings component. There are many types of permanent life insurance, including whole, universal and variable. This type of coverage has higher premiums but offers more long-term value.
Is Life Insurance Required?
Life insurance is not a required policy, but it is highly recommended. If you’re on the fence about whether or not you want to buy life insurance, consider the following factors:
The earlier you receive life insurance, the better. To get started, connect with an agent today.
Get Started Today
The Johl & Company agents are here to help you navigate coverage. If you think you’re ready to take the first step in receiving life insurance coverage or you’re looking to learn more, reach out to an agent today.
The longer you keep coverage, the more your policy may accumulate value.
Younger individuals often qualify for lower policy premiums.
The healthier you are, the better your qualifications for a policy. Don’t risk waiting until your health begins to decline.