Life and disability insurance covers you and your loved ones
Some things in life we have some control over and there are things we have little or no control over. The best we can do for those unexpected things is to plan and prepare in case one becomes a victim of some unfortunate event. Life insurance might not be the most popular subject but we all have to face realities. Life insurance is a sensible and logical way to provide for those we love and care about.
Neverman Insurance serves the communities of Avon, Cleveland, Lakewood, North Olmsted, North Ridgeville and Westlake with insurance plans and solutions. They will advise and help you with the right life and disability insurance.
Life insurance itself has some options and you can consider term life, whole life and endowment insurance. Term life will cover you for an agreed period or term. This could be 10 years or 20 years or whatever term is agreed. The policy remains current as long as you pay the small premiums. Should something nasty happen to you during the currency of your term life policy, the carrier will pay the benefits of the policy to your stated beneficiaries. You can also include disability cover in your policy. Should you become disabled the policy will cover your financial commitments.
Whole life insurance will cover you for the rest of your life as long as you continue to pay the premiums. You can also attach an endowment or investment option, in which case the policy will accrue a cash value in the future. If you elect to surrender the policy at some future date you will collect the cash value. Again and endowment policy can also include disability insurance giving you the peace of mind that you will be covered in the event of an accident or disease that might cuase your disability.
Your life insurance agent will be able to advise you regarding the best options for you and they will be able to negotiate favorable rates, terms and conditions.