What is Life Insurance in Mesa, Arizona?
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PJS Insurance Services
Peter Schumacher AINS, AIS
86 Leisure World
Mesa, Arizona 85206
(602) 750-0616
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Have you ever wondered how your loved ones would manage financially if something happened to you?
Watch this video to learn the basics of life insurance and how important it is for protecting your loved ones. Next, go below and start a free quote to compare coverages and companies.
Remember, the best time to get life insurance is right now. PJS Insurance Services in Mesa, Arizona is here to answer any questions at (602) 750-0616 or Request More Information here.
What is term life insurance for Arizona families?
Term life insurance is a contract between you and an insurance company that lasts for a specific period of time, such as 10 or 20 years. In exchange for your premium payments, the insurer pays a death benefit to your life insurance beneficiaries if you die during the term of the contract.
Unlike whole life and other types of permanent life insurance that last your entire life, term life insurance expires when the term ends. If you still need life insurance, you may be able to renew your policy, convert it to permanent coverage at a higher premium or buy another policy.
Term life doesn’t build cash value that you can borrow against, like permanent life insurance does. This is one reason term life is cheaper than whole life. With term life, you generally just pay for the potential death benefit; with whole life, higher premiums are needed to grow cash value.
Term life is a good policy to buy if you:
Want low premiums coupled with a large payout when you die.
Want to cover expenses that eventually end, like paying off your house or sending your kids to college.
The necessity of life insurance depends on your own personal and financial needs. At PJS Insurance Services we assist and help you determine the type and amount of life insurance that is appropriate for you and your family in the state of Arizona. Call today at (602) 750-0616 or Start a Free Life Insurance quote here and start saving more to protect those that matter most.