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Selecting life insurance is more than just choosing between a permanent or term policy and finding the cheapest rates. At Krenek Insurance, we lead you through the steps to help you make an informed decision based on your current situation, your personal or business goals, and your current tax status. Request a quote, and you’ll get so much more.Your first step is choosing between permanent and term life insurance:Option 1: Permanent Life Insurance provides coverage for you until you reach 100.
That means financial security for your family or other beneficiaries for the rest of your life. Your premiums stay fixed regardless of age, health, or lifestyle changes. Over time, it may be the least expensive form of life insurance, since premiums are fixed and it builds cash value, which accumulates on a tax-deferred basis.Option 2: Term Life Insurance is coverage that lasts for however many years you choose.
It is usually less expensive than permanent life insurance, because the coverage lasts for a shorter, fixed time period. And if your needs change, most term life insurance policies can be converted to permanent with no additional underwriting.Better yet, your personal Krenek Insurance specialist will walk you through all of your options - fine print and all. They’re here to help you select coverage that’s an exact match for your needs without sacrificing protection. And as your needs change—from new births, business partners and the like—we’ll help you make sure your coverage stays in sync. We watch your big picture by offering a comprehensive selection of types of insurance and services for business that ensures you get the value and protection you deserve.