Best Life Insurance Quotes For Everett Washington

Washington State Family Owned Agency Since 2000​

Life insurance is important. It is crucial that you get it when planning for the future of your loved ones, as well as for you. Life insurance can help take care of your family when you’re gone.

​You don’t want to leave your loved ones to struggle when you’re gone. Here at Pacific Insurance Group, we can help you choose the ideal life insurance in plan for you. We can make sure the policy continually meets yours and your family’s needs.​

YOUR POLICY SHOULD CHANGE WHEN YOUR LIFE DOES

The ideal life insurance policy depends on who the person is and what their financial needs are. Not only that, but when your life changes, then your insurance policy pay need to change too. There are a number of changes that may require a change to your life insurance policy.

​These changes include if you’ve recently got married or divorced. If you have a new child, opened a business or your health has deteriorated, then it’s time to make changes to your policy. Other things that can happen that can require a change include buying a new home, refinancing your mortgage or you have a large estate or you have been the recipient of an inheritance.​

HERE’S WHAT YOU SHOULD KNOW

We help choose the best life insurance coverage based on the needs of our customers. We offer a number of products. Below are some of the most common life insurance products.​

TERM LIFE COVERAGE

This type of insurance offers protection for a period of time, which is specified at the time you get it. If you don’t know where to start when it comes to life insurance, then term life is worth considering. It isn’t that expensive and it comes with fixed premiums from periods ranging from 1-20 years. In some cases, term life insurance can be converted to permanent life insurance coverage, which is good because if your needs change, then so can your life insurance policy.​

WHOLE LIFE COVERAGE

Whole life insurance remains in effect throughout your entire life. You do have to pay the premiums in order to keep your plan active and in good standing. Whole life insurance plans often build cash value as time goes on, which makes them a good investment.​

UNIVERSAL LIFE COVERAGE

Universal life insurance features flexible premiums, as well as pricing structure that is not bundled. Like whole life, universal life insurance can increase in cash value and it can earn an interest rate, which may be adjusted from time to time. If you’re not sure whether or not universal life insurance is for you, then give us a call and we’ll discuss what other options we have or we can explain in more details about the benefits of having universal life insurance.​

BENEFITS OF HAVING LIFE INSURANCE

Life insurance gives your family members peace of mind when you’re gone. Different life insurance plans come with different investment opportunities and benefits that you can take advantage of while you’re here. This is why it’s important to research different plans and choose one that meets your needs.​

Death Benefits

When you are gone, your life insurance will be paid out to the beneficiaries or beneficiary. The funds can be used to pay estate taxes, debt, funeral expenses and any other financial needs. Your policy can provide security for any businesses you own because partners can buy out and there will be no need to do a liquidation.​

Living Benefits

The cash value of your whole life insurance plan is tax-deferred, so you won’t have to pay taxes on it unless you withdraw it. Withdrawals or loans can be taken against the life insurance policy’s cash value, and the funds can be used to help with various expenses. These expenses include down payment on a house or college tuition to name a few.​

We are confident we can help you choose the right life insurance plan based on your individual needs and the needs of your family members and the loved ones. If you want to learn more about how you can protect your future and your family’s future, then contact us today. We look forward to learning more about you so we can find you the right life insurance product.