Fax this application to us today (704) 321-1690
|
North Carolina Life Insurance
Life insurance is important to every resident in North Carolina. Families and loved ones often need and benefit from the financial protection that life insurance provides. Life insurance is also important for single persons and couples for similar reasons. But paying final expenses and providing for loved ones isn't the only reason for having life insurance.
Many residents of North Carolina use life insurance as part of their wealth accumulation plan. Some individuals use life insurance in their estate planning to transfer wealth or fund their estate with liquid assets. Businesses with one or a only a couple of key employees also use life insurance to insure the orderly continuation of the business in the event one of the key executives dies.
The North Carolina life insurance market is very competitive, which makes policies very affordable. In addition, there are many new and innovative life insurance products on the market providing surprisingly reasonable prices for high levels of coverage.
When it comes to choosing a life insurance program, there are many companies licensed to do business in North Carolina. Finding the right policy at the right price can be a challenging and a time-consuming process because of the many different coverage options and combinations of benefits that are offered. Here are some of the basic types of life insurance available to residents of North Carolina:
- Term Insurance
o Non-Guaranteed Term Life
o Annual Renewable and Convertible Term
- Permanent Life Insurance
o Whole Life or Ordinary Life
o Universal Life
o Variable Life
Each type of life insurance provides a different set of benefits to the insured and beneficiary of the policy. It is important to know and understand these benefits. This is the job of a licensed life insurance professional-to advise you of the pros and cons of various policies and how they match your individual and family needs.
Determining an adequate amount of life insurance coverage is very important and is generally the first step in selecting a policy to meet your needs. Determining your coverage requirements, as well as, finding the best company and policy are best handled by a licensed insurance professional.
For example, a key factor in determining your policy premium is your health class. Your health class can be rated differently by different companies. At one company you might qualify for a standard rate policy, while another could offer you a preferred rate policy. An experienced life insurance professional knows and understands these subtle differences and can help you obtain the best health class rating.
Sorting though various policy options and costs can be a daunting and time-consuming task, but it doesn't have to be if you use the services of a state-licensed, life insurance professional. Life insurance professionals make the job of selecting an appropriate life insurance policy much easier.
This is especially true if you are looking for key-person life insurance for your business because the premiums can vary widely between policies with similar coverage. You shouldn't pay more than is necessary! T. Stanley & Co., Inc. life insurance professionals have the experience and knowledge to help you obtain the best value in life insurance because they know the best companies and product offerings that will meet your needs.
Life insurance offers many benefits including great peace of mind. T. Stanley & Co., Inc. would appreciate the opportunity to help you find the right life insurance policy-the policy that will give you the peace of mind knowing you made a well-informed decision.
T. Stanley & Co. Inc. has been in business for over 10 years providing a wide range of life insurance policies to North Carolina residents. T. Stanley & Co. Inc. has the knowledge and experience to help you find exactly the right life insurance.
If you have questions about North Carolina life insurance policies or would like to receive a no-obligation life insurance consultation, please contact T. Stanley and Co., Inc. by phone or e-mail. T. Stanley & Co., Inc. appreciates the opportunity to help you with your insurance needs.
T. Stanley & Co. Inc.
9709 Northeast Parkway Suite 200
Matthews, NC 28105
Phone: (704) 321-9491
E-mail:
Copyright © 2008 T. Stanley & Company, Inc. All Rights Reserved.