Life is unpredictable, and the uncertainty causes stress. Let the life insurance advisors at Ashley Insurance Agency offer recommendations for you and your family to offset the uncertainty. Finding the right Life Insurance products can be challenging in today’s insurance environment. Ashley Insurance Agency offers a complete line of individual life insurance products that are crafted to meet you and your family’s specific needs.
Individual Life Insurance
Help secure your family's financial future by providing the funds they need to cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
Whole Life Insurance
Protection with premiums and coverage that are guaranteed to remain the same for your lifetime. Premiums are set at the time of policy issue, and unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever cancelled.
Personal Umbrella Insurance
Personal catastrophe liability coverage, also called personal umbrella insurance, can give you an extra layer of protection in case something tragic happens. We all like to think it will never happen to us, but the reality is that it might.
Term Life Insurance
Term Life Insurance is a low-cost way of providing maximum coverage for your family for a specific timeframe--You can select from a 10-, 15-, 20- or 30-year plan to protect. Premiums will not increase during the guaranteed policy you select, as long as premiums are current. Term Life Insurance pays a death benefit only if you die during that term.
ERIExpress Life Insurance
Easy-to-get, easy-to-afford life insurance with coverage up to $500,000 with a simple application process and faster approval time. This policy is for people who need affordable life insurance and protection for loved ones left behind
Universal Life Insurance
Entire life protection; includes a policy cash value with flexible payment schedule. Policyholders can determine the amount and frequency of premium payments – i.e., the more you pay, the less time you will need to pay. Your premiums cover the different aspects of the policy, such as the insurance part, also the savings or investment elements, and the expense portion of your policy.
Frequently Asked Questions
Get answers to frequently asked questions about Life Insurance Coverage options >
FACTS OF LIFE (INSURANCE)
It's more affordable than you think. Why buy life insurance?
to raise a child.
It costs about
for a modest
It can cost only
per month for
$250,000 in life