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Life Insurance

Life Insurance Quote Forms

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Life Insurance Information

What is truly important to you? For most of us, it is protecting our family. The financial consequences of an unexpected death or long-term disability can be devastating. Providing disability insurance to cover ongoing daily expenses or life insurance for the obligations of a mortgage, funding a college education or just providing for final expenses, is a choice we make for those we love. We have plans that can meet your family’s needs and the ability to help you understand the benefits a life or disability insurance policy can offer.

Liebler Agency – Your Hometown Insurance Agency

The Life and Health Insurance Foundation For Education

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

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