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Life Insurance

Serving Marion, Crawford, Hardin, Wyandot, Morrow and throughout Ohio for over 60 years! 

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. 

Term insurance is designed to meet temporary needs
. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional. 

We have tons of information on all types of Life Insurance in our blog section. Head over to check them out or click the links below for more information on each topic:

Why Does Life Insurance Make Sense?

Is Term Life Insurance Worth It?

Five Life Insurance Tips for Millennials 

Thank you for your interest in Verne Hart Insurance. We have been proudly insuring Ohio residents and businesses since 1956. Please feel free to contact us at 740-387-0643 with any questions or you can email your questions and an insurance agent will reply promptly.

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