Nearly everyone knows they need life insurance, but many people delay purchase because plans are often complicated and companies don’t take the time to explain them clearly. At Wye River Insurance, we know you deserve more—and we provide it.
When you come to us, we’ll focus on you and the particulars of your life. After all, not everyone is the same. You might be looking for a smart investment, planning for your family's future, or preparing for whatever else life has in store for you. We’ll take the guesswork out of choosing a plan and find the insurance that works best for where you are in life currently and where you want to go in the future.
Depending on the plan you choose, life insurance can provide a lot of benefits.
Affordable Serenity
Gain peace of mind within your budget.
Living Benefits
Use your money when you really need it, not just at the end.
Family Security
Help safeguard your loved ones’ futures.
Charitable Legacy
Leave a legacy through support for charitable causes.
Generational Wealth
Build wealth that can be handed down.
When choosing life insurance, you can select from two main types.
Term life insurance covers you for a specific number of years, often 10, 20, or 30. You pay one steady premium throughout the term, and your benefits remain the same from the first day until the last.
During the term years, your beneficiaries are covered in the event of your passing. When the term ends, your premiums increase significantly.
Whole life insurance gives you a plan that remains in place throughout your life and helps you build wealth. You pay a steady monthly or annual premium, and your death benefit is guaranteed.
Additionally, whole life insurance includes a tax-deferred cash value component that grows over time at a guaranteed fixed rate. Once the cash value is high enough, you can withdraw it to use when you need it.
For many people, a combination of Term & Whole Life insurance is the best way to meet their long-term protection needs and provide a sense of security for the future. It’s also beneficial to begin your Life Insurance plan early, as premiums will increase with age.
When you speak with us, we’ll ensure you understand your options in full.
Reach out to us to discuss how you can get the most out of life insurance.
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