Life  Insurance

 

 

 

Simply put, life insurance gives your loved ones financial security after you are gone. You pay a monthly premium, and if the unexpected happens, your lovedLIFE INSURANCE PORT JERVIS NY ones get a death benefit they can use for things such as medical bills, funeral expenses, outstanding mortgage, college tuition and even living expenses.

You can feel confident today knowing your family will be secure with the life insurance policy that you choose if they ever have to make it on their own. There are life insurance options, one being Term Life insurance and the other, Permanent Life Insurance.

Term Life insurance coverage lasts for a "term" you choose, usually 10, 15, 20, or 30 years. During that time, your life insurance premiums are guaranteed not to increase. If you pass away during that time period, your beneficiaries get a cash death benefit. If you live longer than the term period, you have the option to continue your life insurance coverage for an annual, renewable premium, which is generally much higher. You can usually convert a term life insurance policy to a permanent life insurance policy without getting a new medical exam.

There are two big ways that permanent life insurance is different from term life insurance. First, the policy is meant to last the rest of your life (as long as you make the required premium payments, of course). Second, part of the money you pay into your permanent life insurance policy is set aside in an account where it can grow cash value that you can tap into later on. There are several types of permanent life insurance, each with different advantages.



 

    Auto Insurance

 

Accidents can happen. And when they do, you want the right coverage to help protect you and your family.

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Home Insurance

 

You chose your house, condo or apartment because it meets your needs. Now you can choose an insurance plan that does the same thing.

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Business Insurance

Whether you are a manufacturer, wholesaler, retailer or just about any type of business, we can tailor a program to match your needs.

 

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Life Insurance

Life Insurance is an essential component of a complete financial plan, providing protection for your future.

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Here is what one of our clients has to say.....

"...the most honest, trustworthy and reliable insurance agent I have ever dealt with."

Illonka is the most honest, trustworthy and reliable insurance agent I have ever dealt with. She cares about you and your situation and is always there to help with any problems there are. I am so happy I have Illonka Retallick as my Insurance agent. Thank you, Cheryl