Life InsuranceProtect What matters most
You never know what life might throw your way. Protecting your family from the unexpected is one of the most important decisions someone can make. Death is never something someone wants to plan for but if you have loved ones depending on you it’s important you do give it some thought.
We Have You Covered
At Raymond & Spence, we make sure you and your family are always covered. We want you to be confident in your life insurance policy and rest assured knowing you are prepared for the unexpected.
Our company provides an affordable, dependable plan that will alleviate the financial burdens a family can occur when someone passes away. Our promise is to pair you with the best possible life insurance that will allow your family to continue their lifestyle if the worst should happen.
Term life insurance
20 or 30 year options. Protects your family in the event of a death. No cash value at the end of it’s term.
permanent life insurance
Death benefit protection as well as a cash value component. As the name suggests, this policy doesn’t have a time limit and is intended to last the remainder of the insured’s life.
whole life insurance
This is the simplist form of permanent life insurance. The younger a person is when the policy starts the lower premium payment is as it is locked in at that rate throughout the person’s life. Whole life usually has a cash value component along with the death benefit protection. The cash value is tax deferred until withdrawn & can be withdrawn for any reason, at any time.
universal life insurance
Similar to whole life, however, these policies are more flexible in that they allow the policy holder to choose how much of the premium goes towards the cash value and how much is allocated to the death benefit. The cash value is tax deffered until withdrawn. Cash can be borrowed or withdrawn for any reason, at any time.
Final expense life insurance
Often called “burial insurance, final expense life insurance is usually taken by the elderly. This policy is meant to cover the cost of a funeral. Today, the average cost of a funeral is $10,000.
The Raymond⎪Spence Difference
Try Our Painless Process
Continuing to provide for your loved ones after death doesn’t have to be hard. Talk to one of our agents, today, about all of our life insurance options and they will help you find the one that is best for your needs! Our promise is to pair you with the best possible life insurance that will allow your family to continue their lifestyle if the worst should happen.
Life insurance is critical for safely providing for your family in the future. At Raymond & Spence we believe in giving our customers a quick and simple solution. Our life insurance policy acts as a financial safeguard for you and your family in the event of a death. Unfortunately, with death comes financial burdens, and we want to help your family lift these burdens.
Execute & Monitor
Let us help you find a plan that fits your needs and your family’s needs. Give us a call and our experts will provide you with not only the life insurance plan you need but also the personal relationship you want with your insurance company.