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Life Insurance Information
Life insurance is a popular method of ensuring loved ones are taken care of financially after the policyholder’s death. A life insurance policy can alleviate your worries about your beneficiaries’ financial well-being. Bruening Insurance Agency has been helping Floridians with their life insurance needs since 1964, and we can help you with a policy that also meets your needs for your family.
What Is Life Insurance?
Life insurance is a type of insurance coverage that many people use as part of their financial planning. This coverage is a contractual agreement you make with your insurer. In exchange for your premium payments, which are determined by the insurer, your insurer will pay the predetermined death benefit to your listed beneficiaries.
What Are the Main Types of Life Insurance?
There are numerous types of life insurance coverage that you may choose, and Bruening Insurance Agency can help you select the appropriate coverage for your needs. Many people choose from two main types of life insurance.
- Term life insurance. This coverage gives your beneficiaries money if you die during your term—a period of 10, 20, 30 or more years—depending on your policy’s expiration date. However, if you don’t die during this period, your policy won’t pay, and you need to apply for a new policy to continue coverage.
- Whole life insurance. This coverage lasts for the remainder of your life after you’ve enrolled; your policy doesn’t expire unless you stop paying your premium. Whole life also offers a cash value investment opportunity, which can potentially be a source of money while you’re alive and the eventual death benefit.
There may be additional types of coverage available. Contact Bruening Insurance Agency today to learn more about your options.
How Does Life Insurance Work?
To start a life insurance policy, you should meet with your insurance agent, who can help determine your specific needs and what type of insurance is suitable based on those requirements. Your insurer might use a third-party administrator to conduct a physical exam, after which you’re given your rates and can choose the right policy for your situation. Your policy premium is based on your policy, risk and health. You will then pay your premium to the insurer, and they will provide coverage as dictated under your policy.
What Does Life Insurance Cover?
Life insurance typically covers many causes of death, but some insurance companies have specific exclusions. Because each insurer is different, an insurer might deny a claim. It’s best to meet with your insurance agent to discuss your policy’s exclusions to know when a death claim might be allowed or denied.
Protect Your Loved Ones’ Financial Livelihood
The decision to purchase a life insurance policy is a crucial step in your financial planning. Bruening Insurance Agency can give you peace of mind with a policy that provides for your loved ones after your death. Call us at 800-293-0131 or visit one of our Florida offices in Weston or Jupiter to get started.