One of the most important investments you can make is life insurance. That might be a bold statement, but when you consider that the purpose of life insurance is to protect your family’s financial future, the decision is easy. Whether you are recently married, having children or planning for final expenses, we offer simple solutions that can be tailored for your life stage. The key is finding the proper coverage for your needs.
Take a look at the categories below and then visit www.emcnationallife.com to find the best match for you.
If you have short-term needs or desire coverage for a specific period of time, term life insurance could be a perfect fit. Term life insurance is an affordable option appropriate for covering car loans and mortgages, and protecting your paychecks. It’s important to note that although the coverage is less expensive, it is time sensitive. Term life insurance typically provides coverage periods from 5-30 years, depending on age and benefit amount.
For lifetime protection that provides a guaranteed death benefit and cash value accumulation, permanent life insurance is the appropriate choice. Whole life insurance and universal life insurance are options that stay in force until death and are ideal for final expenses, estate planning and covering financial obligations. Permanent life insurance provides continuous insurability and can be blended with temporary insurance for flexible solutions.
Whether you select temporary or permanent life insurance, a personal life insurance product is tailored to your specific needs. Your application is the basis for underwriting decisions. Personal insurance offers an array of options and your agent can help you build your policy.
From employer-paid group life insurance to employee-paid voluntary products, many workplaces offer life insurance. Commercial life insurance products are available at group rates and offer solutions that require less medical questions.