There are different types of life insurance.

There are two types of life insurance coverage; term life insurance and permanent life insurance. Term life insurance is a policy that lasts a certain amount of time. You can choose from different lengths of time, including ten years, fifteen years, or thirty years. Permanent life insurance begins when you purchase your policy, and it lasts until you die.

You don’t have to be the primary income provider to get life insurance

If you are a stay-at-home spouse, it might be beneficial for you to have life insurance as well. As a stay-at-home spouse, you are responsible for the house and the kids. With the extra financial help, your spouse can stay home as long as you need and hire other people to help keep up the house and care for the kids when they go back to work.

Check your policy carefully.

Some policies offer what is called cash value. Most term life insurance policies do not offer cash value, but most permanent life insurance policies do. How much you can build up depends on your insurance company and policy. You need to know what is in your policy before you purchase it.

An agent at Luebbering Insurance Agency can help.

You might want to talk with an insurance agent about your life insurance needs. Our insurance agents can help you determine what you need and what type of life insurance policy is right for you. An agent can give you more information specific to our policies than what you can find out for yourself.

Contact Luebbering Insurance Agency

Please stop by or contact us at Luebbering Insurance Agency LLC in Jefferson City, MO for more information about life insurance.