I Want to
Insure My     Life

Life insurance protects your loved ones from the financial
impacts of your death by providing a payment to them
in the event that you pass away.

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Request a free quote from SafeGuard Insurance Agency today.

    What Is Life Insurance?

    Life insurance serves as an agreement between you and your insurance provider that a benefit specified by the policy will be paid to designated loved ones upon your passing. There are two types of life insurance: Term and Whole.

    • Term Life Insurance provides a death benefit if you die within the policy’s time frame. There are two types of term life insurance.
    • Level Term means that the death benefit stays the same throughout the duration of the policy.
    • Decreasing Term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term. In 2003, virtually all (97 percent) of term life insurance bought was level term.

    Whole Life Insurance, also known as permanent life insurance, pays a
    death benefit whenever you die – Even if you live to be 100! This type of life
    insurance is also structured to provide a cash value that you may be able
    to access under certain conditions.

    What Are The Types of Life Insurance?

    There are four types of permanent life insurance policies from which you can choose.

    Whole or Ordinary Life

    This is the most common type of permanent insurance policy. It offers a death benefit along with a savings account. If you pick this type of life insurance policy, you are agreeing to pay a certain amount in premiums on a regular basis for a specific death benefit.

    Universal or Adjustable Life

    This type of policy offers you more flexibility than whole life insurance. You may be able to increase the death benefit, if you pass a medical examination. The savings vehicle (called a cash value account) generally earns a money market rate of interest. After money has accumulated in your account, you will also have the option of altering your premium payments – providing there is enough money in your account to cover the costs.

    Variable Life

    This policy combines death protection with a savings account that you can invest in stocks, bonds and money market mutual funds. The value of your policy may grow more quickly, but you also have more risk. If your investments do not perform well, your cash value and death benefit may decrease. Some policies, however, guarantee that your death benefit will not fall below a minimum level.

    Variable-Universal Life

    If you purchase this type of policy, you get the features of both variable and universal life policies. You have the investment risks and rewards characteristic of variable life insurance, coupled with the ability to adjust your premiums and death benefit that is characteristic of universal life insurance.

    Frequently Asked Questions

    Learn more about life insurance by exploring the answers to common questions, and then contact us for additional information.

    • Look at quotes side-by-side

      No more contacting multiple carriers to get comparable quotes. As a one-stop shop for insurance coverage, our experienced team gathers the very best deals for the customized coverage you need so you can choose from among many competitive offers. Easy-to-compare quotes and tailored coverage make getting the right insurance easy.

    • Consider more than price

      As a full-service insurance agent, SafeGuard is committed to tailored insurance solutions. No more finding quotes that offer too much or too little coverage. No more comparing quotes based only on price. Our dedicated team finds the solutions you need so you can look beyond price to get total peace of mind.

    • Reevaluate your coverage with life changes

      Life happens. When it does, your insurance needs may change. What life changes may lead to insurance changes? Marriage, divorce, home renovations, purchasing or selling a house, starting a business, buying a luxury item or vehicle, getting a pet, and more. Here at SafeGuard, our professional team is ready to adapt your coverage at any time. Just give us a call!

    • Weigh the benefits and discounts

      With multiple competitive quotes to choose from, you can easily compare the benefits, discounts, and prices of each to find the very best deal. Our team uses our established relationships with carriers to get you the lowest rates and the most favorable discounts. All you have to do is consider your options to find the perfect insurance solution for you.

    • Look at quotes side-by-side

      No more contacting multiple carriers to get comparable quotes. As a one-stop shop for insurance coverage, our experienced team gathers the very best deals for the customized coverage you need so you can choose from among many competitive offers. Easy-to-compare quotes and tailored coverage make getting the right insurance easy.

    • Consider more than price

      As a full-service insurance agent, SafeGuard is committed to tailored insurance solutions. No more finding quotes that offer too much or too little coverage. No more comparing quotes based only on price. Our dedicated team finds the solutions you need so you can look beyond price to get total peace of mind.

    • Reevaluate your coverage with life changes

      Life happens. When it does, your insurance needs may change. What life changes may lead to insurance changes? Marriage, divorce, home renovations, purchasing or selling a house, starting a business, buying a luxury item or vehicle, getting a pet, and more. Here at SafeGuard, our professional team is ready to adapt your coverage at any time. Just give us a call!

    • Weigh the benefits and discounts

      With multiple competitive quotes to choose from, you can easily compare the benefits, discounts, and prices of each to find the very best deal. Our team uses our established relationships with carriers to get you the lowest rates and the most favorable discounts. All you have to do is consider your options to find the perfect insurance solution for you.

    Get a Quote

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