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Individual Life Insurance Policies

Life Insurance products play an important role in protecting your family's financial security. Each policy should be designed to fit your needs, whether it be paying off your home mortgage with term life insurance or providing for final expenses with a permanent or whole life insurance. A well thought-out individual life insurance policy safeguards your financial assets against the uncertainties of life, so you can protect your family's future.

For each of our clients, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Calhoun County Insurance will help you make informed decisions on the best possible insurance for you and your family. Some life transformations that may require a policy “tune-up” include:
  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • You are providing care or financial assistance to a parent
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate
What You Need To Know

Calhoun County Insurance can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:
  • Term Life Insurance

Term life insurance provides protection for a specified period of time such as 1 year, 10 year or 20 year and has to be renewed at the end of the specified term. If you do not currently have life insurance, term can be a good place to start as it is generally less expensive than permanent (whole) life insurance.

Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

  • Universal Life Insurance

Just as with whole life insurance, individual universal life insurance protects you for life. Universal life insurance, however, offers the flexibility to adjust your premium and your death benefits.

Contact Your Alabama Life Insurance Agent 

Calhoun County Insurance understands that choosing an individual life insurance policy may be the most important decision you make for your family. Our experts will make sure you find the ideal policy for your situation. Please call 256-435-2242 or simply click here
to request more information and one of our experienced agents will contact you with rate comparisons for life insurance.