Life Insurance

Insurance Services

Services That Help You Save on Insurance in Kansas City

1

Life Insurance

It may not be the most pleasant dinner table conversation, but it's important nonetheless and a conversation everyone needs to have. What would happen with your family's financial security if you were no longer here? That's where we come in. With a little bit of planning, you can breathe easy knowing they'll be financially independent and free of worry.

http://www.insurekc.com/wp-content/uploads/2016/04/life-family-545x363.jpg

How does life insurance work?

Whole Life

Whole life is the most basic form of life insurance. It includes a fixed monthly premium, and part of that premium goes towards building cash value from various investments made by the insurance company. You can borrow against that accumulation fund without being taxed, too. A whole life insurance policy pays a stated, certain amount on your death.

Term Life

Term life is a straight insurance policy with no investment component. This coverage will last for a specific amount of time and would then pay out an amount of your choosing, provided you pay the monthly premium. The younger you are, the cheaper the premiums are – often just a few hundred dollars a year for upwards of $250,000 worth of coverage.


You hope you never have to use it, but it’s nice to know it’s there.