Life Insurance Policies Texas

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations appear to be endless. Would you know what life insurance policy is best for you? When buying a Life Insurance policy, it’s easy to be overcome by an information avalanche. If tragedy were to strike are your loved ones secure? David Kimbrough Insurance Agency may help you recognize which life insurance coverage is The BEST choice, for the security of your loved ones’ future.

• TERM LIFE INSURANCE - modified, graded, and decreasing
• PERMANENT LIFE / WHOLE LIFE INSURANCE
• PERMANENT LIFE / UNIVERSAL LIFE INSURANCE
• JOINT LIFE INSURANCE

Why do I need a Life Insurance Policy?

Many people consider the subject of life insurance a morbid one. The truth is everybody does depart this life and bills will be left behind at death. Even wealthy people may create financial crises when they die. Money may become tied up for long periods of time and families are left with funeral and extra expenses, or even taxes that require payment. Not providing life insurance to cover one's expenses is not only poor planning, it is selfish.

Just how much life insurance should I buy?

Whenever you plan to procure a life insurance policy, there are many issues to think about when deciding the amount of coverage. You should include funeral expenses, education expenses, mortgages and other debt, along with the financial support your loved ones would need in your absence. A recommended adjustment period for a family varies from five to ten years, depending on your family’s financial situation. Thus five to ten times your annual income is a general “rule of thumb” when determining how much life insurance may be needed.

This is one of the most compelling motives for purchasing life insurance. Having provided for a dependent spouse, young children and even relatives who depend on you financially by way of life insurance can reduce stress on a provider. Life insurance benefits can be used to pay for burial and funeral expenses, debt and medical/health bills and estate taxes. It can also be used to leave an inheritance or much needed income for day to day expenses, and even a retirement nest egg for your surviving spouse. And structured properly, life insurance proceeds may be received tax free. Our dedicated life insurance experts understand Texas’ market and regulations and can find the correct plan – or mixture of plans – for your specific needs.

For more information on obtaining an Life Insurance contact, David Kimbrough Insurance Agency at 281-996-7615 or fill out our online form above for your FREE Life Insurance Quote today.

Texas Insurance Agency offering Life Insurance policies in
Friendswood, Houston, Pasadena, and League City Texas.