Life Insurance Services

Protect Everything Worth Living For

Life insurance policies can help you protect your family with a number of coverage options to choose from. Your policy will be tailored to your needs depending on your priorities and budget. Here at Christ Smith Insurance, we offer term, whole, and universal life insurance policies.

Term Life Insurance

A term life insurance policy is valid for a specific period of time, typically 10, 20, or 30 years. After the end of the premium period, your out-of-pocket cost will increase. These policies are better for those with a limited budget, as you’ll be required to pay a lower premium for a shorter term.

Whole Life Insurance

Whole life insurance is permanent (or valid until the policy matures). Your costs will stay level as long as the policy remains in force. The policy will accumulate cash over time that can be used to address a variety of issues while you’re still alive.

Universal Life Insurance

Universal life insurance policies are permanent policies that accumulate cash value. They are more flexible than other types of policies and are tailored to changing priorities. With flexible premiums and face amounts, you’ll have more control over how quickly your cash grows.

No Such Thing as "One-Size-Fits-All" Insurance

When it comes to life insurance, there is no such thing as a “one-size-fits-all” policy. You’ll need to consider your situation before settling on a policy. If you’re young, you may be juggling a mortgage, auto loans, student loans, and childcare costs. In this case, it will be better to seek out an affordable policy so you can plan for the future.

If you’re older and more established, your life insurance policy can provide a death benefit to your beneficiaries or be used to support supplemental retirement income or pay for the care of a loved one. Finally, if you’re single with no children, your policy can use death benefit proceeds to support obligations like debt, bills, and final expenses.

You can also leave a legacy to someone or an organization. At Chris Smith Insurance, you have the option to include disability riders, accelerated death benefit riders, and critical illness riders. Call today to get started or request an appointment via our online form.