Jacob Larsen Agency & Associates – Top UTV Insurance Agent in Desert

Our American Family Insurance agency is committed to inspiring and protecting dreams in Phoenix, AZ. We start by getting to know you and your needs, and build a free auto, home or life insurance quote. By bundling policies, we can often offer a variety of discounts. Whether you’re purchasing a car, buying property, managing an investment property, starting a small business or leaving behind a legacy, we’ve got your back as you pursue your dreams – and then we’ll help protect them.

The best life insurance in the United States is those that offer the coverage you need. The insurance adjusted to the budget that your family can use for this protection.

There are factors to consider when purchasing the life insurance your family needs. Here we help you better understand how you can benefit from a life insurance policy.

First Why do I need life insurance?

You suddenly become ill, you have a serious illness, you have to quit your job. You no longer have the income to maintain that stability achieved.

Life insurance is a PROMISE made to you by your insurer. You are committed to protecting your family so that if you become ill or your finances are not suddenly affected.

What is the best life insurance in the USA?

The best life insurance is the one that guarantees the financial stability of your home. It allows the mortgage to continue to be paid, your children to continue studying, and the daily bills to continue to be paid.

Protect your family with the best life insurance on the market in the United States. You decide how much you want to insure and we help you find the insurance that meets your needs.

Let’s talk a bit about the different life insurance options on the market:

Term life insurance: protection and savings for the near future

Term life insurance protects you for a set period of time of 10, 20, 30 years for example. With this type of insurance, you could have a return on premiums at the end of the policy. 

An example, if you insure for 10 years, with a benefit of 100 Thousand, at the end of the policy, you receive back all the premiums paid during the 10 years. If you die in that time interval, your beneficiaries receive the amount for which you insured yourself, 100 thousand dollars.

This type of policy is also used as savings for your children’s college. It is protected and at the same time is saving money that it collects tax-free. In this case, every detail of the future must be planned.

Permanent life insurance: protection, emergency fund, or retirement savings

Another variant of life insurance is permanent life insurance, which protects you throughout your life.

You purchase permanent life insurance and select a beneficiary in the event of your death. With this insurance, it does not matter how many years you live. It can live much more than 100 years. The money will only be paid in the event of your death.

Permanent life insurance in turn is divided into three variants. One of them is the traditional one. With this, your quotas and the benefits obtained will not vary while the insurance contract is active.

Insurer’s average premiums. So that you pay the same month from the moment you take out this insurance.

Some insurances pay benefits in life

The life insurance with living benefits paid up to 90% of the amount by which you made sure of serious illness, chronic or terminal. The percentage varies depending on the severity of the disease and the insurance company. If they give you one year to live, they advance you 100% of the insured money.

Conclusions

Each life insurance company offers its own advantages and benefits. You must analyze your situation to purchase the best life insurance for you and your family in the United States. A while ago we did an article explaining the difference between term life insurance and permanent life insurance.

If you need to save for a future event, with term life insurance with return of premiums you have two great advantages. On the one hand, you will be protected against any illness or inopportune event, and at the same time, at the end of the policy, you will be able to recover all the premiums without taxes.

Our Website: https://agent.amfam.com/jacob-larsen/az/phoenix/706-e-bell-rd-ste-110/

Jacob Larsen Agency & Associates Inc

706 E Bell Rd Suite 110

Phoenix, AZ 85022

(602) 494-0600

Facebook: @JacobLarsenAgency