Take care of
what matters most
Your family is unique – your
life insurance should be, too.
We definitely recommend Community Insurance Group to other people shopping for insurance.
Your family is important to you. You want to do everything you can to protect their future. Proper planning with a life insurance agent can help you and your family avoid financial issues after the death of a family member.
Whether you just got married, divorced, started a family or purchased a home, consider your individual circumstances and the standard of living you wish to maintain for those who may depend on you.
Make the choice that is right for you.
Term life insurance
As its name suggests, term life insurance is for a specific length of time. Common term lengths are 10, 15, 20, and 30 years. It provides a simple, straightforward way to help financially protect your family during the years they need it most – until the mortgage is paid off or your kids are in college.
Permanent life insurance
There are several types of permanent life insurance – the most common being whole and universal life. Unlike term, these policies provide coverage for a lifetime and include a cash value component that can grow over time.
Term vs whole life
This decision really comes down to personal preference and your particular situation. We can help you make an informed decision.
Ready to talk about your life insurance?
HOW MUCH LIFE INSURANCE DO I NEED?
Life insurance is not one-size fits all
Most experts recommend coverage that is 5 to 10 times your annual income. You may already have life insurance through your employer, but group policies are typically limited to 1 or 2 times your annual income. A life insurance policy should help your loved ones pay for the mortgage, shared debts, and other day-to-day expenses.
Not sure where to start?
We have answers to the most commonly asked life insurance questions below.
What is life insurance?
Life insurance provides a payout after your death to the people you designate as beneficiaries. It’s an important safety net if anyone depends on you financially. The life insurance payout can pay debts such as a mortgage, replace your income and provide college tuition funds.
Who needs life insurance?
We recommend life insurance for anyone who has loved ones who depend on them financially. This includes working or stay-at-home parents, homeowners who have a mortgage, business owners and others.
What’s the difference between whole and term life insurance?
Term insurance covers you for a set amount of time, such as 30 years. Among the various types of life insurance available, term life insurance is typically the least expensive. Whole life insurance pays out no matter when you die, and builds cash value that you can access.
Can I get life insurance if I have a medical condition?
Life insurance is widely available to people with medical conditions. It's no secret that healthy shoppers receive preferred rates, but don't assume that a health problem means you will automatically be turned down.