Most people can benefit from having life insurance. It will allow your dependents to continue with the life they have while you are with them. At Partners Insurance & Financial Services Inc. in Huntington, WV, we provide personalized customer service to all of our clients. We are able to offer more choices and better prices because we are an independent insurance agency.
Life Insurance FAQs
When is the best time to buy life insurance?
Before you need it is an obvious answer. Life insurance is less expensive when you are young, but if you want term insurance, you may need to buy additional policies every few years to make sure you are covering the period of your greatest need. With whole life, buying it when you are young makes sense.
Should you have life insurance for your children?
The only type of insurance you can buy for a child is whole life. This guarantees that your child will be able to buy life insurance later on and has cash value. If you can afford it, it is a way to get them started, but it is not necessary.
Do you need life insurance after you retire?
Your children should be grown by this point, but if you want to leave something to grandchildren or if you still have a dependent, then yes you do. Many people find that they don’t need as much and that is something to discuss with your insurance agent.
Can you get life insurance without a physical exam?
You should be able to get life insurance without a physical exam. You will, however, have limited choices, and it will be more expensive than if you get a physical exam. Even without a physical exam, you will likely have to answer questions about your health.
We Can Help!
Contact Partners Insurance & Financial Services Inc. in Huntington, WV for your life insurance needs. Give our office a call today.