Life Insurance

Mobile Alabama’s Life Insurance Experts

Southern Insurance Pros are life Insurance experts. We can absolutely find you the best policy for your needs, desires and budget. There isn’t a one-size-fits-all life insurance policy. That is why you need to talk to our life insurance experts. We will explain the various options and will determine if you need Term Insurance or Whole Life Insurance.

TERM  INSURANCE:

The first is called term life insurance, and it offers protection should a specified  event occur during a specific time frame. Once this specified event occurs (usually the death of the  person insured), a claim is paid out in one lump sum. 

WHOLE LIFE INSURANCE:

The second type of  life insurance policy is a policy that builds cash value as each  premium is paid. Life insurance premiums are based on the level of risk that the  insurer takes by insuring someone. For instance, barring any type of  accidental death, it would cost more to insure an older person who has  used tobacco for many years than it would cost to insure someone who is  young with no history of tobacco use.

Age & Health Determine Your Premiums. Don’t put off
getting life insurance until you are old. The premiums increase with every year of age.

Life insurance can be viewed as a way to take care of your family after you’re gone. The grieving process is difficult enough without  having to worry about if your family can survive financially without  you. For this reason and many others, life insurance is so important. Call Kelly Deford to discuss options for a life insurance policy today. Don’t put your family’s future in jeopardy another minute.

Reasons For Insurance

You do realize that we insure things that we want to protect, such as our cars, our health, our house, our boat, even vacations. However, a large percentage of people in Alabama do not have any form of Life Insurance. This is usually because most people don’t want to put off the inevitable–you are going to die. There is a 100% death rate in this world.

You are going to die one day so please don’t leave your family and friends having to deal with the burden and expense of your funeral. We feel that the most responsible things you can do for your family is to make a will and to have life insurance. At the time of your death your family can spend time mourning and being together rather than stressing about how to provide a funeral for you and ensure that your final wishes may have been met. This is a terrible situation that occurs daily across this state. It is very sad and totally avoidable.

There are a number of options available for life insurance, regardless of your health or habits. Don’t let your fear of the expense prevent you from protecting your family from stress, embarrassment, and financial ruin. Get a life insurance quote today. You will be really surprised at how affordable it is. You will feel like a million bucks knowing that you have protected your family in the event of your death.

Please call Southern Insurance Pros today to make an appointment.
We can even come to you.

(251) 341-2399

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