Life insurance isn’t a fun thing to think about, and it may seem like an unnecessary expense. Although some see life insurance as mistakenly complicated and expensive, Shepherd Insurance is here to help answer any questions you may have and help you protect your loved ones in case something happens to you.
Life insurance is really about protecting those who depend on you for financial support. Several life insurance options are available including whole life, term life, universal life and key man life insurance. It’s important to re-evaluate life insurance needs annually.
There are three major components of a life insurance policy:
- Death benefit, which is the amount of money the insurance company guarantees to the beneficiaries identified in the policy upon the death of the insured.
- Premium payments are set using actuarially based statistics
- Cash value of the permanent or universal life insurance is a component which serves as a savings account and to offset the rising costs.
After losing my dad at a young age, I knew how important it was to protect my growing family with the purchase of life insurance. Ben Coe was able to give me several policy options and he helped make the decision making process easy.
Ben and his team at Shepherd Insurance were incredible in helping set up all the necessary insurance for my new dental practice. From Business Overhead and Disability Insurance, to Key Person Life, they did it all very quickly and efficiently.
"Great people. Good service. A lot to be said to have a local agent like these people instead of the online services. I would recommend this agency above the rest."
“Simply fantastic, awesome service, great people. Highly recommend them for your insurance needs."
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