Life Insurance

Sorting Out Your Life Insurance Policy Options

In these uncertain times, it’s only natural to worry about how your loved ones would fare financially if something were to happen to you. Life insurance can protect you family, even if the worst were to happen. But knowing how much and what kind of insurance to buy can be a confusing issue.

Westrock Insurance is an independent insurance agency that represents more than 20 insurance companies. Instead of having to choose policies from only one insurer, we can find the most affordable coverage to fit your needs, with policies underwritten by the best and strongest firms in the business.

We can help you decide not only whether your existing coverage is adequate, but we can recommend the amount of coverage that would be best for you today and in the future. We can offer you different choices, including term insurance, whole life, and universal life products, and help you decide which is best for you, your family, or your business.

How much life insurance is right for you?

How do you know if you need $100,000, $500,000, $1 million or more in life insurance? Westrock Insurance has qualified life insurance advisors—highly trained experts—who will carefully examine your income, assets, expenses, and financial objectives in order to accurately determine your life insurance needs and the coverage that is right for you.

You may have life insurance provided at your workplace, but most life insurance experts believe that this is only a small fraction of the coverage you should have. Westrock Insurance professionals can advise you on exactly what coverage you should have and why.

What type of life insurance policy should you have?

No one type is right for everyone. Among the policies available are term insurance, whole life, and universal policies. Term insurance is the simplest life insurance policy:

You purchase coverage that lasts for a set period of time provided you pay the monthly premium. Whole-life policies are a type of permanent insurance, combining life insurance coverage with cash accumulation. Universal life is a type of permanent insurance policy that combines term insurance with a reserve fund that pays an adjustable market rate of return.

Westrock is your insurance resource, here to help lend our experience and expertise to evaluate and fill your insurance needs.

Let Westrock Insurance help you choose the coverage and policy that fits your needs, whether you are a young couple starting a family, a single parent, or need to insure your business against the loss of you or other significant partner or employee. Click here to find out how.