West Town Insurance Agency is no ordinary life insurance service. Supported by the largest wholesale distributor of life insurance in North America, we have access to over 200 of the nation's top rated life insurance carriers. Our goal is to try and find the best solution, at the lowest possible premium, for each unique situation.
Types of Life Insurance
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional at West Town Insurance Agency.
Getting A Quote
Getting a quote is simple. Just complete the Quick Quote Form, either online or by filling out one of the .pdf versions below. Once we receive it, we will follow up with a brief telephone conversation - that is all we need! Quotes will be returned within 24-48 hours. NOTE: All information provided is kept extremely confidential, used only for the purpose of trying to determine the most likely rate class for a given prospective insured.
Life Insurance Quote Form (.pdf version)
Life Insurance Quote Form (.pdf fillable version)
Life Insurance Resources
What You Need to Know About Life Insurance brochure
Four Life Insurance Myths for the Young Family
Life Insurance Needs Worksheet