PROTECT WHAT MATTERS TO YOU

LIFE INSURANCE

ABOUT US

Welcome to The Major Agency, your trusted partner in protecting what matters most. At The Major Agency, we understand that life is filled with uncertainties, and that’s why we are dedicated to providing comprehensive insurance solutions for your life, auto, home, and business needs.

Our Mission Our mission is to empower individuals, families, and businesses to navigate life’s unpredictable moments with confidence. We believe in building lasting relationships by offering personalized insurance coverage that fits your unique circumstances. From safeguarding your home against unexpected events to ensuring the well-being of your loved ones, we are here to provide peace of mind through reliable and tailored insurance options.

LIFE INSURANCE PLANNING

WHAT IS LIFE INSURANCE?

Everyone deserves a secure financial future — and that’s why life insurance is so important. Whether you’re just starting out or you’re getting ready to retire, a life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them.

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WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?

Whether you’d like to help your family maintain its current lifestyle, pay college costs or leave a legacy for future generations, Allstate has options to fit your needs and budget.

You dream big. And since you’re just starting out as an adult, now’s the perfect time to protect the life you have ahead of you—at the best rate possible.

A term life insurance policy offers affordable, straightforward protection that lasts a defined period of time, which you can typically set at between 10 and 40 years.

Life insurance can help you:

Establish yourself financially

Secure coverage and lower rates while you are young and in good health

Maintain coverage even if you change jobs or lose employer coverage

Protect co-signers or family from student debt should anything happen to you

You’re experiencing some of the biggest and best moments of your life. From expecting a new baby to buying your first house, at this stage, you have a lot to protect.

Life insurance can help you:

Provide income to handle expenses if you are gone

Help make sure your family can stay in your home

Cover college expenses or pay off education debt

Leave money for your family — free from federal income tax

A whole life insurance policy offers predictable lifelong protection with the most guarantees, including a fixed premium and death benefit.

A variable universal life insurance policy typically includes different investment options for your cash value, as well as flexibility in your death benefit.

Without a doubt, your first priority in life is taking care of your children. It’s a good time to start thinking about their future.

Life insurance can help you:

Provide financial stability to help protect the life you envision for your children

Cover educational costs, such as college tuition

Better prepare those who will be counted on to help raise your children should the unthinkable happen

Set the foundation for your future financial plans

If you’re soon to be an empty-nester or a retiree, it’s about time to confidently take that next step in life.

Life insurance can help you:

Provide income replacement to preserve your family’s lifestyle

Protect co-signers, children or grandchildren from debt should anything happen to you

Cover unexpected long-term care or final expenses

Leave an inheritance behind

HOW DO I APPLY FOR LIFE INSURANCE?

Once you’ve chosen the type and amount of life insurance that works for you, you’ll need to take a few more steps to obtain your life insurance policy. Here’s what to expect:

1

COMPLETE AN APPLICATION

2

TAKE A FREE MEDICAL EXAM

3

SIGN AND REVIEW YOUR POLICY

GET STARTED NOW

Types Of Life Insurance Coverage & Policy Options

When deciding between term and permanent life insurance, which includes whole, universal and variable universal coverage, consider the option that best fits your needs and budget.

If you’re looking for 10 to 40 years of affordable coverage, term life insurance may be right for you. With customizable policies, you’ll find protection that fits where you are in life.

Term life insurance offers:

Coverage for a specific period of time, like until you reach retirement or your children are grown Flexibility to switch to longer term, permanent protection in the future based on policy provisions

If you’re looking for dependable protection that lasts a lifetime, you should consider the three types of permanent life insurance: whole, universal and variable universal.

Whole life insurance offers:

  • The potential to earn dividends, which can be received in cash, accumulated at interest, used to buy additional life insurance or to help reduce premium payments or pay outstanding loans

  • Cash value that increases regardless of market conditions

  • Fixed premium payments over time

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Universal life insurance offers:

  • Flexibility to adjust your plan over time4

  • Cash value that builds with the security of downside protection

  • The ability to balance cash value growth with your preferred risk tolerance

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Variable universal life insurance offers:

  • The ability to build cash value through market participation

  • A wide range of choices in which to invest the policy’s cash value

  • No limits on upside investment gains or downside losses

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Some Benefits of having life insurance

August 16, 2023|0 Comments

Life insurance can give you financial confidence that your family will have financial stability in your absence.   Income replacement for years of lost salary Paying off your home mortgage Paying off other debts, such [...]

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