Why you should buy term life insurance
Term life insurance gives you guaranteed coverage for a particular period of time, and you can adjust the amount of coverage to find a policy that fits your budget. It helps provide financial security and peace of mind for you and your family.
Why you need a good agent
You need an agent who has your best interests at heart and wants to find the best deal for your particular situation. And there is more to term insurance than just the death benefit amount and benefit period. For example, you need an agent who understands the conversion options of the policy you’re applying for. This is an important aspect of term life insurance that is often overlooked. When your term is period is over, you have several options:
- Pay drastically increased premiums to keep your coverage under the current policy
- Find new coverage
- Use a conversion option to convert to a permanent policy
The conversion option could be critical when you get to the end of your term and need to make a decision to maintain coverage. Under many conversion options, you don’t need to qualify medically in order to convert to permanent coverage.
A good agent will be knowledgeable about the conversion options available from different companies and different policy types.
Call us to discuss conversion options and receive a term life insurance quote today.
Deighton Financial Services
7349 Castle Dr
Sarasota, FL 34240
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