Best Life Insurance Quotes For Marysville Washington

Washington State Family Owned Agency Since 2000​

Getting the right life insurance is your way of keeping a promise to your family. Of course, no amount of money can replace your role in their lives, but you can make it easier for them to cope. This is financial planning for the future, which is one of the smartest things you can do as someone with third-party responsibilities.

​Pacific Insurance Group is here to help you understand life insurance a little better, as well as explain some of the reasons involved with getting a Marysville life insurance policy in the first place. If you’re wondering whether you need one, and what it will entail, you’re in good company.​

LIFE IS UNPREDICTABLE, BUT NOT YOUR LIFE INSURANCE

​No, you can’t predict what’s going to happen in the Washington area tomorrow or next year. And that’s why life insurance is such a versatile option because you can adapt it to your situation. Policies can also be changed and altered as your life takes unpredictable turns, which balances out all the unknown adventure in your life. Here are some examples of situations where policies go through a transformation process.

  • ​You recently became a proud parent or grandparent
  • You have chosen to start a business or expand on the one you have
  • Health circumstances for you or your partner has changed
  • You have taken financial responsibility for a parent
  • Your child or grandchild requires support of some kind or long-term care
  • You want to buy a house
  • You’re making plans for a child’s education
  • You’re uncertain about an income after retiring
  • Refinancing your mortgage sometime during the last 6 months
  • Either you or your partner inherited recently
  • Your estate is of significant size and value

IMPORTANT INFORMATION TO CONSIDER

​At Pacific Insurance Group we pride ourselves on delivering the most transparent and worth-while life insurance on the market. And we want to help you make the best decision according to your situation. To give you some perspective, these are some of the most common life insurance people look at.​

– TERM LIFE INSURANCE

​Not everybody is ready to make a permanent commitment towards life insurance, especially if they are in a position that can drastically change hence the purpose of term life insurance. You get to choose a time period, in which you make fixed monthly payments and receive coverage. It’s not as expensive as permanent life insurance and you are at liberty to renew the insurance as you please.​

– WHOLE LIFE INSURANCE

​When looking at Whole Life Insurance, you are looking at a permanent agreement with the insurance company. If the premiums are made as agreed, you’ll be covered for the rest of your life. It’s also interesting to note that this type of policy can be regarded as an investment, given it’s the type of policy that builds cash value as time goes on.​

– UNIVERSAL LIFE INSURANCE

​If you like the idea of a permanent life insurance policy, but you don’t like the fixed premiums, you can opt for Universal Life Insurance. With this option, you have more flexibility in terms of premiums, face amounts, and unbundled pricing structure. Just like many Whole Life policies, there’s the possibility of building cash value that generates an interest rate. While it’s guaranteed that the rate won’t fall below a certain percentage, you can expect changes now and then.

​If you still have questions about the best policy for you, feel free to discuss it with the Pacific Insurance Group personnel. We are looking forward to guiding you every step of the way.​

THE BENEFITS OF LIFE INSURANCE

​Here are some of the benefits associated with having the right life insurance.​

– Benefits In Death

​When you pass away, the money from your life insurance will be paid out directly to the beneficiaries you nominated, tax-free. In turn, they will be able to use this money for any reason they see fit. Whether it’s to pay for the funeral or college, they have some financial security.​

– Benefits While Alive

​While you are still alive and paying premiums, the cash value growth on your permanent policy will continue to grow. It’s tax-deferred, in other words, no tax will be deducted on the interest unless a withdrawal or loan takes place.

​When it comes down to it, every situation in the Washington area is unique, which is why you need to speak to Pacific Insurance Group. Get the best financial protection for your loved ones, and ensure they have nothing to worry about after you’re gone.