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Life insurance is a contract between the insured and the insurance company. It is a promise that the company will pay a predetermined amount to the beneficiary in the event of the death of the insured.
A lot of factors go into determining the price of life insurance, including the age and health of the insured. This makes the best time to purchase life insurance when you are young and healthy. Other factors that determine premiums may include lifestyle habits, proportional height and weight, driving records, and type of employment.
Life insurance comes in two basic forms. Term insurance covers the insured for a specified period of time, usually ten or twenty years. Whole life or permanent insurance covers the insured for as long as premiums are paid. Term insurance is usually the less expensive of the two. Whole life insurance will generally build a cash value as time passes.
You want to make sure you buy life insurance from an agent that is licensed in Auburn, WA. We can compare from multiple companies for you.
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