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Life Insurance Plans
Local Insurance Resource | Free Consultations | Offices in SE Idaho | Licensed in 10 States
Hours: Open Monday-Thursday 9:00 am-5:00 pm & Friday 9:00 am-1:00 pm MST
People who want to leave something behind for their loved ones often look for life insurance plans. These plans can offer quite some benefits. However, some people don’t understand whether life insurance is a good idea. That is why we at Teton Medicare are here to help!
This is contact between an individual and the insurance company. This contract generally consists of a single term that states as long as the individual pays the premium amount, the insurance company will provide a lump sum upon the individual’s death.
Life insurance, as we mentioned before, supports the people dependent on the owner of the insurance. Here are some examples of why someone might consider life insurance.
Life insurance policies have two essential components. One is a death benefit, and the other is premium. As there are two types of insurance policies, term and whole. Term insurance plans consist of two components, whereas whole life insurance consists of three.
The death benefit is the amount of money the insurance company guarantees to pay the policyholder’s beneficiaries. For instance, the money would go to the children of a parent who passed away.
Premium is the money an individual pays to lock in his or her insurance coverage. This premium could either be paid monthly or yearly. Keep in mind paying more than once can result in extra costs. Cash value is the third component often found in Whole Life insurance plans. This serves two purposes; it is a savings account that the owner can use during the insurance program. The owner can also use it to pay for further premiums.
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“Casey is the best insurance agent ever. He is so very helpful and super pleasant to work with. He is very knowledgeable and always recommends what is best for his clients. I HIGHLY recommend him!!”
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
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