Life Insurance

The MAIR Agency can help you to find the most sensible, affordable options to provide the security and peace of mind you need for your family.

Life Insurance can be a confusing topic with so many providers and so many options, which is why our agents are happy to do the research for you and explain all your options. Whether it is peace of mind for new families, making sure your spouse has the security they need or simply covering burial expenses to avoid undue financial strain during the worst of times; or finding tax friendly ways to pass inheritance from one generation to the next.   We provide free, no obligation quotes!  Let us do the work for you.

Life Insurance is Ideal For:

  • Replacing Lost Income
  • Family Security
  • Estate Planning
  • Final Expense
  • Mortgage Protection

There are Two Basic Types of Life Insurance

Term: Designed to provide coverage and level premiums for a specified time frame, usually 10 to 30 years. The most straight-forward protection to fit your needs that is typically the least expensive.

Permanent:  Designed to be a policy that does not expire. Combines a death benefit and an investment component.  Two main options are:

  • Whole Life: Provides coverage for the insured’s entire life with a guaranteed premium, interest rate, and death benefit. The accumulated cash value can be borrowed against the policy.
  • Universal Life: Combines the lower cost of Term Insurance with the savings component and lifelong coverage of Whole Life.  Provides flexibility to adjust the premium and befit amounts over the term of the policy.

If you are ready to purchase a life insurance policy or if you have more questions, contact a Mair Agency Life Insurance Consultant today.