Best Life Insurance Quotes For Mount Vernon Washington

Washington State Family Owned Agency Since 2000​

The right life insurance policy can help you fulfill the promises made to your loved ones – it is an important component in planning for the future of your family once you leave them for good. Why leave the future of your family to chance when you can take a Mount Vernon life policy from Pacific Insurance Group to secure their future when you are gone?​

THE RIGHT LIFE INSURANCE SHOULD CHANGE WITH YOUR LIFE!​

Each customer has his/her unique personal and financial needs. That is why the right life policy should change to adapt to the changing needs of your family. In fact, some of the life transformations in your family that require a tune-up in the policy include:​

  • Changes in your civil status – you got married or divorced recently
  • You expect a new child or grandchild to your family
  • You plan to start a new business or expand an existing one
  • The health of your family members deteriorates
  • You have a parent to care for
  • You have a child or grandchild who requires long-term care
  • You bought a new home recently
  • You have to invest in the education of your child or grandchild
  • You or your spouse inherits a sizable estate
  • You refinanced the mortgage within the last six months
  • You don’t have enough retirement income​

WHAT TO CONSIDER WHEN BUYING LIFE INSURANCE?

​The expert team at Pacific Insurance Group can help you pick the best life insurance coverage to suit your family and budget needs. There are different types of life policies on the market today. Some of the most common coverages include:​

. TERM LIFE COVERAGE

​This policy will cover your life for a specific period of time. This is a great place to start for anyone who is buying life insurance for the first time. It comes in varying time periods with fixed premiums – starting from one-year to 20-year periods. These policies are less expensive compared to whole or permanent policies. On the other hand, a term policy could be converted to a permanent policy depending on your needs in the future.​

. WHOLE LIFE COVERAGE​

This is a type of permanent life policy that will be in force for the entire lifetime of the customer – provided that the premiums are paid in a timely manner. These policies build cash value over time – hence, they are considered an investment opportunity on one hand.​

. UNIVERSAL LIFE COVERAGE​

This is also a permanent life policy that includes face amounts, flexible premiums, and unbundled pricing structures. This type of policy builds cash value over time – with a periodically adjustable interest rate that doesn’t fall below a certain percentage.​

Our expert team will help you choose the best life policy to protect you and your family in the long run.​

BENEFITS OF A LIFE POLICY

​The right policy is essential to planning the future of your loved ones when you are no longer with them. A good policy will not only assure the protection of your family once you leave them but provide investment benefits so that you can take advantage of it while you are still living.

Death Benefits Of A Policy – When you are no longer with your loved ones, the right policy will provide a tax-free income to the beneficiary or beneficiaries you have named in the policy. They can use this money to pay for your funeral expenses, tuition, estate taxes, debt, or to meet any other financial need of the family. The policy will provide security to your business as well. It enables your partners to buy out your interests in the company and prevent a forced liquidation.

Living Benefits Of A Policy – The cash value offered by a whole policy is also tax-deferred. That means you don’t have to pay tax on the growth of its cash value – unless you withdraw money from it. On the other hand, you can take a loan or withdraw money against the cash value of the policy.

​In conclusion, each customer in Washington has unique needs. That is why it is essential that you talk to our experts at Pacific Insurance Group to find the right insurance policy to protect you and your loved ones.