All About Insurance is a leading provider of life insurance in Houston, Spring, Tomball, Aldine, Humble and the other surrounding areas. We sincerely care about the well-being of our neighbors, and we treat people the way we like to be treated when we are engaging professional service providers. When you choose our agency, you will get the life insurance coverage you need, and you will get maximum value for your insurance dollar.
Protect Your Family
Every responsible adult should carry the appropriate level of life insurance, and this is true for people of all ages. In fact, when you are younger and you have dependent children that are still relying on you, an income replacement vehicle is a must. Many younger adults will choose to carry term life insurance. As the name would imply, the insurance is in effect for a particular prescribed term, and the premiums are relatively inexpensive when you are young.
Policy premiums stay the same throughout the length of the term. If you choose level term life insurance, the benefit will stay the same as well. There is a form of term life insurance called decreasing term, and with this type of insurance, the benefit amount continually goes down. Term life insurance does not have any cash value.
Whole life insurance is another form of coverage that you may want to consider carrying. This is permanent insurance that will pay a benefit when you pass away, regardless of your age at the time. With traditional whole life insurance, the premiums remains constant and a cash value is accumulated.
Universal life insurance is a type of whole life insurance that is another option. It is possible to increase the death benefit if you pass a physical when you have universal life insurance. There is a cash value account within the policy that typically earns interest at money market levels. After there is a significant accumulation, you can choose to use money in the cash value account to pay some of the premiums to lower your monthly expenses.
Contact All About Insurance Today!
We place an emphasis on client communication, so we would be more than glad to answer any questions that you may have about the different forms of life insurance coverage. You can reach one of our Spring-Humble-Houston life insurance agents by phone at 281-784-2474. There is also a contact form on this website that you can use if you would like to send us a message over the Internet.