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Life Insurance Information
Owasso-Tulsa Life Insurance: "Balancing price and protection is always the best policy."
When you buy an insurance policy to protect your family, you are buying part price and part advice. So if you get tricked into buying just price, you may end up with only part of the whole policy you need. A fifteen-minute price quote might save you money, but it could also leave your income and assets at risk when a big loss occurs and you don't have the coverage you need.
What are my life insurance options?
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
What makes us different at St. John Insurance is that we don't sell just price. Instead, we strive to provide our clients with the very best combination of price and protection that meets their needs and budget. So if you are looking for an independent agency that provides you with both competitive rates and professional advice, call us for a no-obligation insurance proposal.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.
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