Have you gotten married recently? Had a child? Now is the best time to start to think about your loved ones. Making sure that you get the right life insurance policy that is right for you can be complicated. Let us help you decide the best policy personalized for you.
Monthly Cost* for $250,000 Term Life Insurance
10 Year Policy
20 Year Policy
30 Year Policy
*Monthly cost is calculated by using averages of data. These numbers are not guaranteed. They are to be used as a reference only.
We provide the expertise and industry experience to find the best deals for our customers. Because we help insurance companies attain your business, there is no markup for our service. We impartially shop, finding the best coverage for your money while providing you with the information you need to make an informed decision. As a result, you’ll get the best deal possible from some of the best and biggest insurance companies.
Have any questions? Give us a call at 205-980-7411 or come by our office, located in Inverness right off Highway 280.
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Life insurance from Cornerstone Insurance can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:
Term Life Insurance
Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1 year annual renewable term.
Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.
Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.
Universal Life Insurance
Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments – i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.
Whole Life Insurance
Whole Life Insurance provides permanent protection for the whole of life – from the date of policy issue to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever cancelled.
These products are continually changing and we can provide you with the latest information and policies available!
Cornerstone Insurance offers free, comparative quotes on life insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.