Life Insurance

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Life Insurance

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Life Insurance

Life insurance is an important protection system put in place to provide your family options and stability during an unexpected and difficult time. Life insurance provides the necessary financial benefits to help to pay off debts, funeral costs, housing payments, ongoing living expenses, and educational costs for your children. With several options to choose from, our highly trained BIA agents are committed to answering questions and providing you with the best options to find a policy that will incorporate all your needs and provide for your family in the event of your death. 

There are several types of life insurance to consider, as well as any special addition policies that will help your family receive the maximum coverage.

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Term

BIA Term Life Insurance protects and insures a particular time of your life. Whether it’s for getting young ones through college or having Mortgage Protection for your spouse, term is the way to insure your family is taken care of and is cared for. BIA Life term can be converted to permanent coverage before the age of 65 with no more medical questions. It has a Guaranteed Insurability while the policy is still active and helps to give the insured more options later in life!

Traditional

A traditional life policy, also referred to as whole life, is created to provide financial coverage for your entire life and includes a guaranteed amount for survivors with a set premium that will not change. Unlike the variable life policy, this policy will provide coverage with no specified age limit and will never run out. If needed, you may also put aside a “cash value” which will allow you to borrow against your policy yourself if you ever need financial help during an emergency.

Universal

When you choose a universal life option, you will then pay a monthly fee that splits into two.The first section will cover your life insurance while the other is meant to go directly into savings and investments. This option was created to provide you with flexibility, allowing you to select how much of a premium you want to pay within an advised range. 

Policy Additions

After selecting the type of BIA life insurance that fits your long-term needs, it is beneficial to consider the following add-on policies for maximum protection:

Expenses:
Keeping these in mind, this add-on will help you carefully plan for inheritance taxes, any unpaid debts, or funeral expenses. 
Educational Funds:
Plan for your children’s future by setting aside funds for their education. This can include elementary school through college. 
Emergency Fund:
If there is an unplanned occurrence that cannot be avoided, this add-on helps plan for these lifestyle changes.
Mortgage and Rent:
Keep your home safe by creating assistance for monthly mortgage or rent bills.
Income Replacement:
On a case-by-case basis, this addition has the potential of replacing up to10 times your current annual income.
Debt Payments:
Stop worry about any impending debt. This add-on policy will take care of any credit card debt, auto loans, etc.

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Are you looking for a new insurance plan, have questions about your existing policy, or would like to speak with someone from our agency? Use the form to get in touch with our office.

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