Life Insurance

Which Policy is Right for You?

Insurance policies are created to help policyholders stay out of financial trouble. In particular, life insurance is designed to help people protect their families in the event of an unexpected death. Some people might say that life insurance is one of the most important types of insurance. If you have life insurance, your family will stay financially stable if something happens to you.

There are many reasons to buy life insurance: for college tuition, to pay off debt, or to cover funeral costs. Having the right policy in place can help your family stay financially secure during difficult times.

With that in mind, everyone’s situation is different, and you need to be sure you have the right policy for you and your family. Life insurance offers two policy types; Permanent and Term Life. Depending on your family and its need will depend on which of these policies is best suited. If you come from a one-income household and that income is your own, you can have peace of mind knowing that when you pass, your family will be taken care of.

Everyone’s Situation Is Different

Everyone’s situation is unique, so choosing the right life insurance policy for you and your family is essential. There are two types of life insurance policies: permanent and term life. Which one is best for you depends on your family’s needs.

Term life insurance policies can provide coverage for 10 years, 15 years, 20 years, and more, depending on your needs. If someone has a terminal illness, these policies fit their situation better than a long-term coverage plan.

If you change your mind, you can always switch to a permanent life policy that will stay with you for the rest of your life. No insurance plan is set in stone, and there is always a way to downgrade or add more years if necessary.

Permanent Life Insurance

When you choose Golden Plan Choice, we want you to get the best life insurance plan that fits your exact needs. One of the best options for people of any age is permanent life insurance.

This type of life insurance policy offers permanent protection for you and your loved ones. Permanent life insurance policies tend to be more expensive than term life insurance policies, as they offer more coverage. However, we know how to navigate the market and find a plan that works with your finances.

Permanent life insurance is a type of life insurance that remains in effect for the life of the policyholder. These policies typically have a higher premium than term life insurance policies, but they also offer a death benefit that is guaranteed to be paid out. Permanent life insurance policies can also accrue cash value, which can be used to pay premiums or accessed in the event of the policyholder’s death.

Term Life Insurance

Among the great plans we can help with here at Golden Plan Choice is term life coverage. This type of plan is often the most popular coverage with our clients. These plans only last for a specific amount of time and usually come with lower premiums than permanent insurance.

Term life insurance lasts a set number of years before the coverage runs out. If you were to pass away during the set time, an amount of money known as a death benefit would be paid to your appointed recipient.

When you choose this type of plan, there are several ways to customize it. Your death benefit could be paid in monthly payments, a lump sum, or an annuity. This coverage might have a shorter shelf life than permanent coverage, but the lower premiums make up for the short life span of these plans.

Personalized Care

Whether you choose permanent or term life, our team of experts will help you find coverage that directly fits your needs. We have agents that scour the insurance landscape and know what you require.

Term life insurance lasts a set number of years before the coverage runs out. If you were to pass away during the set time, an amount of money known as a death benefit would be paid to your appointed recipient.

There are many insurance agencies out there that are looking to offer you a one size fits all plan. However, we will learn all we can about your circumstances when you call. This will help us better determine how to help you and if you need a shorter plan or more extended coverage.

Things like a new child, a new home, new jobs, and more will all be considered. Our agents want to give you and your family peace of mind throughout this entire process, and that starts with figuring out the specifics of your coverage.

Free Quotes!

Unlike other insurance agencies that want to milk every dollar they can out of you, we want to help save you money. Therefore, we offer free quotes to all our potential clients. These free quotes will give you an idea of what you’re looking at, so the premiums don’t sneak up on you.

Our insurance specialists have access to detailed market analysis when you choose us. We know how to navigate the life insurance landscape to narrow down your choices. Depending on which type of plan you are looking for, our agents can get you the lowest premiums possible.

For years we have been there for Texans and look forward to you contacting our agents to find a plan that fits you. There is nothing more important than being there for your family. Therefore, get in touch with one of our agents, and we will help your family be covered after you are gone.

If you’d like to discuss your options with one of our team members, give us a call and schedule a consultation. We will happily provide you with more information to help you make a confident decision in your life insurance policy.

We know that not everyone has the same set of circumstances. Therefore, we look forward to learning about you and helping you figure out what type of coverage is best. When we zero in on what you need, we can cut down on waste and give you peace of mind knowing your family is covered.

Give Us A Call Today!

Don’t overpay for your life insurance! Get in touch with a Golden Plan Choice agent, and we will help you save money while simultaneously protecting your family. Don’t leave your family under a financial burden they can’t get out of. An excellent life insurance policy awaits when you call today!