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term life Archives - Horan Companies - New York Insurance Agency, Baldwinsville, NY

Life InsurancePersonal Insurance

How is Universal Life insurance different?

Question 85 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/8TUKUEptX_M Everyone should have life insurance. We are all going to die. It's not fake news. So, choosing the best life insurance option is critical. Most everyone knows about term and whole life insurance, but what about universal life? Click on the above video to learn more about this valuable option.
October 30, 2017
Life InsurancePersonal Insurance

What’s Whole Life?

Question #54 in 100 Insurance Questions in 100 Days Video Series https://youtu.be/hIcSsncKQwY There are three primary kinds of life insurance. Term, Universal, and Whole. Whole Life is sometimes referred to as General Life. It does as its name suggests, it stays with the insured until death. Unlike term, which can be outlived, whole life will remain. The premium can be paid all at once, over 20-years, or every year until death. It also has a cash value component. See this brief video for more information on this New York State insurance product.
September 29, 2017
Life InsurancePersonal Insurance

What is Term Life Insurance?

Question 48 in 100 Insurance Questions in 100 Days Video Series https://youtu.be/R8Jr9gqE9ro One rule of thumb is that you should have $50,000 in coverage for every year you have left to work. If you are married, or have children, or both, then consider a term policy. Don't get too caught up in whole life or universal life for now as securing a term policy is the least expensive for the most death benefit.
September 24, 2017
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