Make plans to protect your loved ones
Guaranteed Rate Insurance understands that there are important people that count on you to provide for their needs. It’s a priority for our team to make sure you are prepared for whatever the future may hold. Life and disability insurance policies are there for you and your loved ones if tragedy strikes, ensuring that they will be able to continue their quality of life.
Guaranteed Rate Insurance only works with Life Insurance companies that have the best reputation in the industry. There are many affordable options when it comes to plans and pricing. Our life insurance specialists can help you determine the policy and coverage amount that is right for your family.
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Life Insurance Basics
Term Life Insurance
Term life insurance is designed to provide financial protection for a specific period, such as 10, 15, 20 or 30 years. With traditional term insurance, the premium payment amount stays the same for the coverage period you select. After that period, policies may offer continued coverage, usually at a higher premium payment rate. Term life insurance is generally less expensive than permanent life insurance.
Whole Life Insurance
Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Policy premium payments are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred benefits over time. Because of the lifetime coverage period, whole life usually has higher premium payments than term life.
Universal Life Insurance
Universal life insurance is a type of permanent life insurance designed to provide lifetime coverage. Unlike whole life insurance, universal life insurance policies are flexible and may allow you to raise or lower your premium payment or coverage amounts throughout your lifetime. Additionally, due to its lifetime coverage, universal life typically has higher premium payments than term.
Disability ensures that if you are unable to work because of illness or injury, you will continue to receive income until you are healthy. You insure your home, car, and other valuable possessions, so why wouldn’t you also protect your paycheck?
Save By Bundling
Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.