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Life Insurance

Life Insurance

Life insurance can help provide financial security for you or your loved ones by replacing lost income and covering various expenses after your death or when the policy’s term is up. If you’re looking for life insurance, we’re here to help. Our agency is ready to discuss your life insurance needs and help find a policy that’s right for you.

What Is Life Insurance?

Life insurance is a contractual agreement between you (the policyholder) and the insurance company. In exchange for paying the insurer a regular premium, your beneficiaries will receive a lump-sum death benefit when you pass away or after a specific amount of time has passed.

What Are the Types of Life Insurance?

There are two primary types of life insurance, including:

  • Term life insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.
  • Whole life insurance—A whole life policy will last for the remainder of your life once you enroll. It will not expire unless you stop paying for it. Additionally, such a policy offers cash value investment opportunities. This cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).

Several other types of life insurance also exist. Speak to one of our agents to determine which type of coverage suits your particular needs.


Additional Services Include:

  • Annuities – An annuity can help secure a stream of payments to use as a form of retirement income. When you purchase an annuity, you may get tax breaks or be able to receive income at regular intervals in exchange for a one-time lump sum payment to an insurance company. The amount of money you receive from an annuity is based on the type of account you choose, the insurer’s terms and the amount of money you invest. The best way to determine how much income your annuity investment may generate is to get an individualized quote from your insurance agent.
  • Retirement Services – As life expectancies increase, planning for a comfortable financial future is more important than ever. There are many ways to save for retirement, which is a great way to use a portion of your current income to plan for your future. Work with a financial advisor to better understand each of these retirement options. The information on this page is intended for educational purposes only and should not be construed as legal or financial advice.

How to Get Life Insurance

If you’re in need of a life insurance policy, we’re here to help. Give Butler's Insurance Agency LLC a call or request a quote online to get started.