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Life Insurance

FamilyLife insurance is important because it allows you to protect your family and loved ones when you’re gone.

There are two major types of life insurance—term and whole life.

Term Insurance

Term insurance is the easiest and most affordable form of life insurance. It pays only if death occurs while the policy is in effect. The “terms” re typically 5, 10, 15 or 30 years.

Whole Life/Permanent Insurance

Whole life or permanent insurance covers you for life. It also has a cash value accumulation that builds during the life of the policy. A portion of the cash value can be withdrawn or borrowed during the life of the policy.

Which to Choose

When choosing between whole life or term life insurance, there are a number of variables to take into account. Let Hometown Insurance Center help you evaluate the various aspects of your circumstances and determine whether term life or whole life is a better option for you.

For a quick calculation of immediate and future needs, you can use this Life Insurance Calculator.

Get a Quote!

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