Protection for your family should the unexpected occur is where term life insurance really shines. Term life insurance provides the financial freedom and support to ensure your family has all the resources they need. The Overstreet Agency is a reliable and trusted source of term life insurance near you, designed with you and your loved ones in mind.
Term life insurance is the most economical life insurance product available. You choose the amount of coverage and how long the coverage will last for your family. The power of protection is in your hands, as you select the length of the term – it could be 1, 5, 10, 20, 30 years, or any time frame you see fit. Your premium will remain fixed for the entirety of your coverage and if you should pass during the term, your beneficiary will receive a lump sum payout to use as needed.
The Overstreet Agency provides a top ten term life insurance product through Ameritas, designed to ensure your loved ones have the protection they deserve. Term life insurance offers many advantages for you and your loved ones.
This is the most affordable life insurance product available and offers a cost-effective way to provide financial security for your family should the unexpected befall you. It is ideal for families who are in a growth period in life and need to pay lower term life insurance rates while still maintaining protection.
With flexible lengths of term, you are able to choose a term length that works within your current financial framework. Your premium will remain the same, so you can consider mortgage payments, debts, education, income replacement, and more when deciding upon the length of coverage based on financial obligations. You also have the option of converting your term life policy to a permanent life insurance policy (for an additional cost) should your circumstances change.
Since term life insurance is affordable and fixed, you can usually secure higher coverage than with other permanent life insurance plans. Overstreet carries some of the best online term insurance available.
Term life insurance is simple and straightforward. There are no complicated or confusing components, just a premium you pay monthly for the length of term you set, resulting in a lump sum payment to your loved ones if you pass away during the term.
Every situation is unique yet most people are under the misconception that life insurance will cost them too much. When estimating the cost of term life insurance, most people grossly overestimate – by almost three times its actual cost! Your health and age are the main determining factors when figuring out how much long term life insurance will cost you. The truth of the matter is that term life insurance is more affordable than you think and the peace of mind it provides is truly priceless.
This is the most straightforward, simple, and cheapest term life insurance product that provides the coverage you need. You’ll select the length of time of your policy and will make a fixed number of premium life insurance payments. If you should die during the term, your loved ones will receive the lump sum amount you have designated, as long as your premiums have been paid.
This policy is exactly as the above plan outlines, providing a level premium for the time frame you choose. The addition to this plan is what’s called a living benefit. This simply means that if you face a serious illness or accident, you’ll have financial support from your policy while you’re still living. This makes it one of the best term life insurance for seniors over 60 as well as perfect for young families who would like to set themselves up for financial stability in the case of an unexpected event or illness.
Overstreet strives to keep you and your loved ones protected fully, with every aspect of your life covered. With that in mind, we have several term life policy add-ons. These additional features offer coverage beyond your term life insurance plan, and include: