Because there is no requirement to have it, life insurance is often one of the most overlooked forms of insurance. Many young and/or healthy people postpone the purchase of a life insurance policy, but planning for the future early and when you are in good health will ensure that you lock in the best coverage at the most affordable rates.
If you have a family or loved ones who depend on you, it’s even more important. There are many reasons why you need life insurance: final expenses, payoff of mortgage, financing college for your children, transferring wealth to heirs, or just a smart, tax-friendly investment.
We offer two types of life insurance policies: term and whole life.
Term life insurance is for a specified amount of time (ex. 10, 15, 20, or 30 years). Term life insurance policies are more affordable than whole life insurance policies.
Whole life insurance is a permanent policy guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid until the maturity date. Whole life policies also build up “cash value,” as a portion of the premium is invested.
“I would recommend FSI for all of your insurance needs. Not only are they dependable but they ensure that every need is met in a timely fashion. GREAT customer service!!!!”