Life Insurance

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An important investment to make in your life

Life insurance is one of the most significant investments you can make because of the impact it can have on those you may leave behind. It can be reassuring to your loved ones during difficult times and it can make dreams, such as a college education for your children, possible, even when you’re not there to finance it.

Sometimes life changes like marriage, the birth of a child, or the purchase of a home will prompt individuals to buy life insurance. However, many people put off buying life insurance because they do not know what kind or how much to buy. If you are not familiar with the products—term, whole, variable, universal, and others— it can be overwhelming. At Young Johnston & Associates, our outstanding agents can provide valuable information about these products and their features, so you can decide what will work for you.

Understand your life insurance choices

Our agents understand the life insurance market in Alabama and Georgia. We provide you with information, answers, and quotes that will clarify your decision. Keep in mind, the right plan for your situation will vary. Life insurance coverage options include:

  • Term life usually provides insurance for a period of time and can offer a safety net for those left behind. Typically, the premiums are level over the term of the policy, but they can go up once the term expires. Term life premiums tend to be lower than whole life premiums.
  • Whole life is a permanent policy, so it doesn’t expire after a particular period of time. The premiums never increase. Additional coverage can be added to suit particular needs. Dividends are paid to policy holders.
  • Term and whole life combined is often an appropriate choice for people in a variety of stages of life. Combined policy holders can have a lifelong base of coverage but can add extra protection during certain periods of their lives.

Whether you’re in Eufaula, Abbeville, or anywhere in Alabama or Georgia, our agents can help you with your life insurance questions. To get started, simply fill out our online form to receive your insurance quote.