TYpes of Life Insurance

TERM LIFE

Term life insurance is meant to provide financial protection for a set period of time—usually while you have dependents or outstanding debts that could be transferred to others such as student loans. Term life insurance is an affordable way to get the coverage you need. It is initially much less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value. In other words, the only value is the guaranteed death benefit from the policy.

Permanent Life

Permanent insurance provides lifelong protection. These policies offer a death benefit and can build cash value. The death benefit is money that's paid to your beneficiaries when you pass away. Permanent life insurance lasts from the time you buy a policy to the time you pass away, as long as you pay the required premiums. Permanent life insurance can be an important tool to help secure your family's financial future.

FINAL EXPENSE

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance. A final expense life insurance policy isn’t the same as what’s known as “insuring your life.” Insuring your life concerns leaving your family and loved ones with enough support after you pass away. Term and permanent life insurance are better suited for a higher death benefit. Final expense life insurance range in death benefit from as low as $2,000 to $40,000.

WE JUST NEED TO GATHER YOUR INFORMATION!

Our office takes the steps necessary to get you realistic quotes for your life insurance. When you apply for life insurance, you do have to go through the underwriting process. It is very important for you to understand the underwriting process to help you avoid unnecessary frustration.

After you apply, the company is going to look at different criteria to decide if they are going to accept your application for coverage. Several of the major factors the underwriter will review are your driving history, prescription history, family health history, usage of alcohol, height and weight and of course any prior medical issues or surgeries.

We believe in being proactive and gathering your information to see how the carriers will rate your overall health for their life insurance product.

Below we have our Life Insurance Pre-Screen form. This is used to gather your specific information. Please download this form and send it back to our office.

If you have any questions contact our office at (402) 352-6610 or send us a message below.

Contact Us

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We love our customers, so feel free to visit during normal business hours.

Tonya LeGrande & Associates, LLC

PO Box 429, 1120 A. St., Schuyler, NE 68661, US

Phone: (402) 352-6610 / (888) 959-1338 Fax: (888) 959-3096

Hours

Mon	8:30 am – 5:00 pm
Tue	8:30 am – 5:00 pm
Wed	8:30 am – 5:00 pm
Thu	8:30 am – 5:00 pm
Fri	8:30 am – 5:00 pm
Sat	Closed
Sun	Closed

LIFE INSURANCE