Term & Permanent Life Insurance Coverage in Edwardsville, IL

Did you know that you can provide support to your family even after an untimely death? That’s right, with a life insurance policy, you can ensure a death benefit payment that could help your family pay for funeral expenses, unpaid bills, medical bills, and more. For years, Community Brokers Insurance has been the leading independent insurance agency in the Edwardsville, IL area, providing residents with reliable life insurance coverage. Don’t leave your family and loved ones struggling to pay your funeral or unresolved debts, get an affordable life insurance package from one of our certified agents today.

Term Life Insurance

Term life insurance is essentially a financial safety net for a short period of time. This policy allows individuals to purchase a specific amount of coverage for a specific timeframe that is usually anywhere from 5 to 30 years. If your policy expires before you are deceased, you will need to renew your policy to continue having those benefits for you and your loved ones after your death. This is a common life insurance solution for individuals with children, a mortgage, or outstanding debt, making it a financial safety net for when the unexpected takes place. Are you interested in term life insurance? Call Community Brokers Insurance in Edwardsville, IL today!

Permanent Life Insurance

Permanent life insurance differs from term life insurance due to the length of the policy and increased coverage options. Not only does a permanent life insurance policy offer continuous benefits after death, but it can also be used for savings and investment in the meantime. There are three types of permanent life insurance policies to choose from – whole life insurance, universal life insurance, and variable life insurance. To determine which permanent life insurance policy is right for you and your family, call Community Brokers Insurance in Edwardsville, IL today.

Reach out to one of our agents for a FREE Consultation by calling (618) 656-7200

How Much Life Insurance Do You Need?

One of the first questions our agents get asked is how much life insurance do you really need? The answer to that is not very simple, in fact, there isn’t a definitive answer due to everyone’s situation being unique. However, at Community Brokers Insurance, our agents recommend using the guideline of anywhere from 5 to 10 times your annual income to determine the coverage of your insurance policy. So, if you make $100,000 a year, your insurance policy would cover up to $500,000 or $1,000,000. This amount will allow your family or loved ones to pay for any existing debt or funeral expenses that may be required to pay outright in the event of your death, as well as provide income to any living relatives, children, or individuals of your choosing.

Why You Should Choose Community Brokers Insurance for Your Life Insurance Plan

So, why should you choose Community Brokers Insurance for your term or permanent life insurance plan? Simply because we are an insurance company like no other. Our independent agency works directly with clients one-on-one to personalize their life insurance plan so that you and your loved ones never have to worry about financial hardships after passing away. Our agents will make understanding our policies extremely easy so that you know exactly what coverage you will be getting from the very start. You can rely on us to provide the best life insurance policies available – get started today by calling our agency in Edwardsville, IL for a free consultation and quote!