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Protect what matters most in your life: your loved ones. With life insurance, you can help to ensure their financial needs are met, even after you’re gone. To start, there are two basic kinds: term and permanent. Deciding which type may be appropriate for you depends on how you want your life insurance to work for your family. When you’re ready, I can help you determine the amount of protection you may need and the type of insurance that may best fit your goals.
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Term Life Insurance |
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This most basic and least expensive type of life insurance policy, allows you to buy coverage for a certain amount of time, such as 5, 10, 15, 20 or 30 years. If you pass away before the term is over, your beneficiary gets the benefit stated in your policy. If you live beyond the term, your policy expires. However, many term policies offer the option of extending your coverage for another coverage period, subject to certain restrictions and limitations. |
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Permanent Life Insurance |
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This type of life policy never expires. As long as premiums are paid, it remains in force permanently. Premiums are usually based on your age at the time of purchase and generally remain level. In addition to providing a "death benefit," premiums are also invested to produce returns—adding cash value to your policy. You can even tap into this cash value by taking out a loan, withdrawal or surrendering your policy.
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I have the experience to help you define your financial goals and create an effective way to achieve them. If you would like to discuss Life Insurance, call me at (304) 263-4596 |
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How much life insurance do I need? |
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Tracy L. Keefer is licensed to sell Allstate insurance products only in the state(s) of MD, OH, PA, VA, and WV. The material contained in this Web site is applicable only in the state of WV. If you do not reside in the state(s) of MD, OH, PA, VA, and WV, please go to the Find an Agent section on allstate.com to search for another Allstate representative.
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This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers a variety of products including life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, mutual funds and 529 Plans, are available only through securities licensed representatives, and sales material must be accompanied by a prospectus. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL., and Lincoln Benefit Life Company: Home Office, Lincoln, NE. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC. Registered Broker-Dealer, Member NASD, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.
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 Banking products offered through Allstate Bank, Member FDIC. Other products sold by Allstate are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by Allstate Bank, and may be subject to investment risks, including possible loss of principal amount invested.
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