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Life Insurance Information
There are many types of life insurance, but they usually fall into two main categories: term insurance and permanent insurance.
Term insurance is constructed to meet temporary needs. It provides a piece of mind and protection for a specific period of time (the "term") and generally pays only if you die during the term. This type of insurance usually makes sense when you need coverage that will cease at a specific point in time. For example, you may decide that you only need coverage until your children graduate or a particular debt is paid off, like your mortgage or student loans.
In contrast, permanent insurance (or whole life insurance) provides lifelong protection. As long as you pay the premiums, and no withdrawals or loans, the full face amount will be paid. Because it is designed to last an entire lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. It is often much more expensive than term, and should only be used in limited financial situations.
It's tough to say which type of life insurance is fit for any individual unless you visit our office and have a consultation.All of us in Baldwin County have different financial and life goals and needs, and when it comes to life insurance in Gulf Shores, Orange Beach, Foley, Robertsdale, or any other Baldwin County area, it is best to let Coastal Alabama Insurance take care of your life insurance.