If you were to pass away, would your loved ones be able to survive without hardship or having to move from their residence? Fortunately, with the right life insurance, you can be assured that your spouse and family will be taken care of financially in your absence.

At Smart Insurance, we are independent agents ready to help our neighbors in the Abilene, Kansas area find the ideal life insurance policy. We are not just insurance agents; we are educators who take pride in teaching our clients about all the different options available to them, so they can put together the perfect coverage.

If you’re just starting to learn about life insurance, let’s start with the three basic types of life insurance:

Term Life Insurance

This is a common place to start with a life insurance policy because term life insurance is less expensive and it only applies to a set period of time. Whatever your budget, we can help you find the right term life policy. We can also help you convert a term life policy to whole life if you eventually desire something more permanent.

Whole Life Insurance

Offering protection for an entire lifetime, whole life insurance policies are considered an investment that builds value over time.

Universal Life Insurance

This is another type of permanent life insurance, with more flexible premiums than whole life. Universal life accrues interest and cash value over time, too.

Anyone can have a life insurance policy, and we definitely recommend one if you have a family to provide for. We have found that major life milestones like these often make people think more seriously about purchasing a life insurance policy:

• Buying a home

• Getting married

• Having or adopting a child

• Becoming a grandparent

• Inheriting property or coming into wealth

• Starting up a business

• Experiencing health deterioration or serious illness

When you’re ready to talk about life insurance for your unique needs, give us a call at 800-249-1920 or reach out online at your convenience. We can meet with you to learn more about your situation and give you options that will always put your mind at ease when it comes to the care of your loved ones after your passing.

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