Life Insurance

At Health Insurance 4 Everyone our team is happy to go far beyond being your typical insurance agents—we aim to be the insurance leaders you trust to protect what really matters most—your life.

We know that finding the perfect Wisconsin life insurance - or a life insurance policy anywhere across the country for that matter - can get a bit confusing and especially overwhelming at times. From having to weigh the pros and cons of term life insurance versus whole, universal and variable and beyond—it’s easy to get lost amongst the terminology and coverage differences.

That’s exactly why we at Health Insurance 4 Everyone want to be more than just your insurance provider, we want to be your trusted coverage ally and friend. By helping you navigate your way through one of the most critical policy decisions you will ever have to make in your lifetime; we vow to secure you an individually tailored Wisconsin life insurance plan or policy for whatever state you may reside in!

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. At Health Insurance 4 Everyone we want to help you determine which type of life insurance policy is right for you! Our dedicated team of life insurance experts understand Wisconsin’s market and regulations and can find the right plan – or mixture of options – that fit your individual needs.

Term Life Insurance Basics:

• Coverage for a “term” or period of your life.
• Lower premiums for higher coverage.
• Rates can change after specific terms expire.
• No equity – cannot be used as cash value.

Whole Life Insurance Basics:

• Exactly like it says – permanent, not for a specific period.
• Protection carries with you your whole life.
• Can build equity and have cash value.
• Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

• Build lifelong base of whole live coverage.
• Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it may make more sense to have a term life policy that covers the mortgage and living requirements until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Often times whole life policies will pay dividends - although not always.

With a variety of alternatives and policy possibilities it’s understandable that you may feel a bit anxious. But remember, life insurance is all about you, and you are certainly worth insuring!

Not sure what you to expect from your life insurance? Wisconsin residents and clients all across the United States will benefit from a thorough coverage review—at Health Insurance 4 Everyone we’re here to help you get the exact coverage amount of protection you are looking for! Let Health Insurance 4 Everyone assist you in deciphering the appropriate level of coverage needed to meet your specific insurance requirements.

Give us a call and let one of our expert life insurance specialists get you started on the right path. Contact Health Insurance 4 Everyone for more information and get a free Wisconsin life insurance quote, or quote from any of the other 41 states we are licensed in, today!