Life Insurance Quote Forms
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Life Insurance Information
Life Insurance - Texas (Coming soon!!)
Hello we apologize for the inconvenience this may cause, but at the moment we are not offering Life Insurance Product.
Please feel free to circle back around to our website as we will be offering this beneficial product to all our customers in the coming months!
In the meantime, please feel free to familiarize yourself with some helpful information about Life Insurance and its many benefits.
Life insurance can help protect family members from potentially devastating financial losses after a person’s death. Even young, healthy individuals are encouraged to seek a life insurance policy because it can serve as a safety net for those that depend on them.
What Is Life Insurance?
Life insurance is a contract between an insurance provider and a policyholder. Generally, the policyholder pays premiums to an insurer; when the insured individual dies, the insurer may pay a sum of money to one or more beneficiaries.
The following are the two most common types of life insurance:
- Term life insurance is a type of life insurance that only pays out if the insured’s death occurs during the term of the policy, which is typically between one and 30 years.
- Permanent life insurance (e.g., whole life insurance) generally pays a death benefit whenever the insured dies. It typically will not expire unless the policyholder stops making payments. Permanent life insurance can also have a cash value component that can be borrowed against, or the policy can be surrendered for cash.
How Does Life Insurance Work?
Life insurance is an important protection to have in place to help support your loved ones when you pass. Upon an insured’s death, their insurer may provide a death benefit to the policy’s beneficiaries. A death benefit can help pay for the following expenses:
- Income replacement for dependents
- Funeral and burial costs
- Medical expenses
- Federal and state death taxes
- Charitable contributions
- Daily expenses
How Much Is Life Insurance?
The cost of life insurance varies depending on the following characteristics of the insured:
- Health conditions
- Driving record
- Tobacco use
- Family health history
- Criminal history
The cost also depends on the type of insurance a policyholder chooses (e.g., term life insurance and whole life insurance).
Life Insurance Quote in El Paso, San Antonio and Corpus Christi, TX
If you want to learn more about life insurance or are ready for a quote, call Remco Insurance at 800-282-2000. We can help ensure that you have the coverage you need.