Individual Life Insurance

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Term Life Insurance

Term Life is temporary life insurance. If you want the most possible coverage you can buy to protect your family against the financial burden caused by your premature death, term life insurance might be for you.

The biggest advantage is that it has very low premiums in comparison to a permanent life insurance policy. You can purchase term life insurance for a term as short as a year, or as long as 30 years. Term life insurance is very simple: if you die during the term of the policy, the benefit is paid. If you don’t die during the term, you may be able to continue the policy, but the rates will increase substantially.

We have the most competitive rates on term life insurance policies from the best insurance companies. Rates change all the time, so you may be eligible for better terms than you currently have. Do you have the best possible term insurance rate you qualify for? Do you have enough life insurance coverage?

Whole Life Insurance

Whole Life is perfect if you want a policy that will cover your family no matter what.

We don’t know when we will die. It may be a week after we buy a life insurance policy or 50 years later. Whole life insurance is a life policy that is designed to cover you for your entire lifetime. The rates for whole life insurance are often significantly higher than for term life insurance, but can be a great value for a person who wants to make sure that, no matter what, his policy will never expire and his premium will never increase.

Whole life can also be used as an investment. Since the policy is for a lifetime, it will often build a cash value. This cash value can be used on a tax deferred basis for purposes such as a down payment on a dream home, college tuition for the children, or income for you during retirement.

Universal Life Insurance

If you need a life insurance policy with a lot of flexibility and with a guaranteed rate of return on your investment, a universal life plan may be perfect for you.

Universal life is really a form of whole life, except that it has even more flexibility. Universal life allows you to pay premiums at any time, in virtually any amount, and you can lower or raise the death benefit fairly easily. Typically, a universal life policy will have a guaranteed rate of return on your cash value. These guarantees will rest solely on the claims paying ability of the insurance company, so it is critical to select a universal life policy carefully.

What Others Are Saying About The Insurance Source

You listen to our needs and simplify the process. You are responsive, thorough and attentive to our needs.
Justin

Furay Insurance did an outstanding job handling all my insurance needs. The Furay team is dependable, efficient and I didn’t have to worry about a thing. Customer service was top- notch throughout the entire process, and some of the best I have ever experienced!
Emily

I want to praise you and your staff in helping me with my life insurance plan. Shopping and purchasing insurance is like going to the doctor. You hate to go but know that it needs to be done. You and your staff are proficient, knowledgeable about your plans, easy to work with and most of all friendly. You went the extra mile to explain my policy and keep me informed of the progress during the approval process. You really care about your customers and worked hard for my business. Thank you for help.

Tim