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Life Insurance

Most life insurance policies fall into one of two general categories:

TERM LIFE INSURANCE
Term life policies take their name because coverage only lasts for a specific period of time – such as one, five, 15, or 20 years – or until the insured reaches a certain age. The cost of term life generally increases as you get older. Term insurance purchased at a young age is relatively inexpensive for a healthy non-smoker. Rates may rise considerably when the insured becomes older, or when the term of the policy is reached.

CASH VALUE LIFE INSURANCE
Cash value life policies provide both a death benefit and a way to accumulate funds over time. Initial premiums for cash value insurance are typically higher than for term life insurance because you’re also purchasing the savings feature. However, cash value premiums generally increase at a slower rate. If you buy a cash value policy at a young age and continue the policy into middle age, your premium will likely be lower than they would for a term life policy with a comparable death benefit.

Sumner Insurance Agency also offers related products such as Disability Income policies, and Long Term Care policies.

Our carrier list includes some of the most trusted names in the insurance industry such as Massachusetts Mutual Life, The Hartford, and United Of Omaha.

Call us for a quote on your life insurance today. Let Sumner Insurance Agency be your partner to properly match your insurance needs. Call us today at (806) 350-7767.

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Phone: (806) 350-7767

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