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Auto Insurance In Gulf Shores AUTO & HOME

Serving the primary needs of Orange Beach and Gulf Shores Insurance needs.

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Business Insurance In Gulf Shores BUSINESS

We specialize in workers comp and liability to protect your business and employees.

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Condo Insurance In Gulf Shores CONDO

We insure all condos in Gulf Shores and Orange Beach through our list of carriers.

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Flood Insurance In Gulf Shores FLOOD

We write through a host of carriers to find great insurance rates in Orange Beach and Gulf Shores.

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Marine Insurance In Gulf Shores MARINE

We have access to nationwide insurance carriers to insure everything from skiffs to yachts in the beautiful waters in Gulf Shores and Orange Beach.

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Life Insurance In Gulf Shores LIFE

Let us help you understand the value of life insurance while we find the best rate in the area to save you money and give you peace of mind.

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Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


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.

 

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