Help Protect Your Family From the Unknown

Life Insurance generally falls into two categories: term insurance and permanent insurance.

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Life Insurance Can Help Protect Your Family's Future

Term Life Insurance provides lifelong protection.

The full face amount will be paid as long as you pay the premiums and no loans, withdrawals, or surrenders are taken. 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.

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Life Insurance Unique To Your Needs

Independent Agency With The Customer In Mind

Garland Insurance has relationships with dozens of insurance companies, allowing you to get the right price with the right service.

Whether you have the ideal history, preferred companies desire, or a not-so-perfect history, we can help you find coverage based on your needs with a top company at a competitive rate.

Life Insurance FAQs

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 to Term Life Insurance, 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 life insurance professional.

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