Life Insurance
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Life insurance is a contractual agreement between an insurer (insurance company) and an insurance policy holder, where the insurer promises to pay a designated beneficiary a sum of money in exchange for premium payments, upon the death of an insured person. Simply, it is a policy you buy that pays money to your family if you pass away.
Dupuy Insurance can help get you in the journey to financial confidence with Life insurance it is a powerful financial tool. Life insurance was created to solve a financial problem that happened because of death. For example: If you were to pass away your income may disappear as well. If you had any outstanding debt that involves a co-signor that person will be liable for the debt. If you have a spouse, children, or anyone dependent on you financially, they may just be affected by the passing of you leaving no support. Think about the cost for burial and other end-of-life expenses who will have to pay? Buying life insurance is an essential part of life because it offers financial protection for your family and home in the event of your death. It helps to prevent financial hardship for your loved ones. Life insurance is an important element of sound financial planning.
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When considering getting an insurance policy you should contact Dupuy Insurance LLC. There are two different types of life insurance, there is term insurance and permanent life insurance. Term life insurance, also known as term insurance or pure life insurance, is a type of life insurance that will pay upon death a stated amount known as the death benefit when the insured dies during a specified term. When the term insurance expires the policyholder have the option to convert the policy to permanent life coverage, renew the term life insurance for another specified term, or just let the pure life insurance to terminate. Permanent life insurance policies (perm life) offer a cash value and the death benefit. Cash value is a savings portion of your policy that accumulates credited interest over time as you pay the required policy premiums. The cash value is determined by the face amount, duration, and premium payment amount, and how long the policy was in forced. Owner can borrow from the cash value tax deferred. The following types of permanent life insurance policies may include a cash value feature: Whole life insurance. Universal life insurance. Shop for life insurance, be sure to check with our license insurance agent to find out how you can get a life insurance policy that build cash value today. Now, the death benefit of a life insurance policy is the face amount that will be paid out to the policy beneficiaries when the insured person passes away.
Each state’s laws regulating insurance policies are different and each life insurance policy is different, therefore before purchasing a life insurance policy, you should consult with one of our licensed life insurance professional agents.
You can view the many options that maybe available to you in the market like level term, decreasing term, increasing term, ordinary life, whole life, straight whole life, limited pay whole life, and single premium whole life, modified whole life, graded premium whole life, minimum deposit whole life, intermediate premium whole life, index whole life, multiple protection policies, joint life policies, juvenile insurance, credit life insurance, interest-sensitive whole life, adjustable life, universal life, indexed universal life, variable life insurance, variable universal life, and more or If you an employer we can set your business up with Group insurance and more.
Dupuy Insurance office sell life insurance. If we are of no proximity of you, we have Live online insurance agents working 24 hours/ 7 days a week to service your insurance service’s needs as soon as possible.