Everyone needs life insurance. CIS Insurance Agency, a rural insurance agency located in Hamilton, Alabama, works with people from rural and suburban areas in Alabama and Mississippi to identify and provide effective life insurance solutions. Few things are certain in life. We want to help you make sure that your family is cared for in the event of your untimely death.

Choosing a Life Insurance Policy

The amount and type of life insurance you need depends on a number of factors. All life insurance tends to be less expensive for younger customers, but don’t make the mistake of thinking this means young people don’t need a policy. At the very least, a young, single person needs to carry enough coverage to pay off any debts and cover funeral expenses. Individuals with families, a mortgage and other responsibilities need to carry more coverage. Older individuals will find a policy with living benefits of value.

Term and Universal Life

The two primary types of insurance are term life insurance and whole or universal life insurance. Term life, which provides a death benefit only for a set time period or “term,” tends to be less expensive, and many people choose this option as a place to start. Whole or universal life has no expiration date and will provide a death benefit at any time of death as long as the conditions of the policy have been met. Additionally, whole life policies build cash value over time and can be beneficial for individuals concerned about outliving their retirement income.

Life Insurance Policy Reviews

Because life changes, a life insurance policy needs to be reviewed regularly. At CIS Insurance Agency, we recommend annual policy reviews. During a policy review, your insurance agent can help you assess whether or not your current coverage is sufficient to pay your obligations and help your loved ones make ends meet in the event of your death.

Don’t gamble with your family’s future. Contact CIS Insurance Agency today to learn more about life insurance with real value.

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