Life Insurance
Life is unpredictable, but you can secure your family’s financial future with the right life insurance plan. Whether you're looking for coverage to protect your loved ones, build cash value, or prepare for unexpected health concerns, Remedial Insurance Agency is here to guide you through the process.
Types of life insurance
We help individuals and families find the right life insurance coverage, whether it’s for temporary protection or lifelong security.
Term Life Insurance – Affordable & Flexible
Term life insurance provides coverage for a set period, such as 10, 20, or 30 years, making it a budget-friendly way to protect your family. If something happens to you during the term, your beneficiaries receive a lump sum payout, which can be used for:
- Mortgage payments
- Daily living expenses
- College tuition
- Funeral costs
Permanent Life Insurance – Lifelong Coverage & Cash Value
Permanent life insurance lasts a lifetime and includes a cash value component that grows over time. There are several types of permanent coverage, including:
- Whole Life Insurance – Fixed premiums, lifetime coverage, and guaranteed cash value growth.
- Universal Life Insurance – Flexible premiums with the potential for cash value accumulation.
- Indexed Universal Life (IUL) – Cash value growth linked to stock market performance, offering both protection and investment potential.
Living Benefits – Illness Coverage with Term Life Insurance
Many Term Life Insurance plans now offer Living Benefits, allowing you to access part of your death benefit while still alive — if diagnosed with a critical, chronic, or terminal illness. This benefit can help cover:
- Medical bills and treatments
- Long-term care expenses
- Lost income due to illness
- Household and daily living costs
Having Living Benefits means your life insurance can support you when you need it most — not just after you're gone.
How can we help?
- At Remedial Insurance Agency , we work with all major carriers to find the best life insurance options for you.
Whether you need Term Life with Living Benefits for affordable protection or Permanent Life for lifelong security, our licensed experts can provide a free quote and help you make the best decision.
Fill out the form below or contact us today for a free consultation. Let us help you get the coverage you deserve.