Montoursville Location:

4092 Lycoming Mall Dr
ive
Montoursville, PA 17754
Phone: 570-546-4999
Fax: 570-546-3322
Toll-Free: 1-888-440-4099

Selinsgrove Location:

320 North Market Street
Selinsgrove, PA 17870
Phone: 570-374-7888
Fax: 570-374-7333
Toll-Free: 1-877-260-3822


You'd do anything to protect your family from harm. But what if something happens to you? Or your spouse?
Nothing can truly replace the loss of a life. But with life insurance, your love will live on- by helping to provide your family with a solid future.

Life insurance helps provide your loved ones with a level of financial security after you're gone. You pay a premium, and if the unexpected happens, your beneficiaries receive a death benefit to help them pay for such things as funeral expenses, mortgage, college tuition or retirement.

How much is enough?

The most important thing to think about is how much income your loved ones would need to remain financially stable without your income. Many employers offer life insurance plans, but they are usually not enough. In addition, most employer-provided life insurance plans are not portable, so if you leave your job you're no longer covered. In either case, you may wish to purchase additional coverage to supplement your employer's plan.

Is it affordable?

Your premium will depend on a range of factors including your age and how much coverage you want. Different life insurance products have different fees and/or charges. If you're looking for cost-effective insurance, you may want to start with a term life policy and then move to a permanent policy once you're more financially stable.



Term Life Insurance

Term is usually less expensive because it provides death benefit protection without the build-up of cash value. Premiums are level for the period selected - such as 10, 15, 20 or 30 years. You choose the amount of time and the amount your policy is worth. Then, your beneficiary receives a lump-sum payment if you die before that term is over. Some term policies may allow you to convert to a permanent policy without having to get another medical checkup, depending on the conditions of the term policy.

Permanent Life insurance

A permanent life insurance policy is just that - permanent. It is designed to last your lifetime with regular premium payments. The premiums are typically higher than term, but that is because you are also accumulation cash value in your policy in addition to the death benefit protection.