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Life Insurance

Life <span>Insurance</span>

Life insurance is your financial safety net

Life insurance can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

Life insurance rates are more affordable than you might think

Lanzetta Insurance offers affordable life insurance rates starting at $14 per month.*

Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

What is life insurance and how it works

A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

Different types of life insurance

Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout. As long as premiums are paid, the policy lasts the selected term length (standard options are 10, 15, 20 and 30 years).

Gives a guaranteed payout no matter when you pass away, as long as you keep paying your premiums. Plus, funds can often be withdrawn from your policy. These funds are known as the cash value of your life insurance policy.

Offers more affordable premium payments and a lower payout amount. This type of life insurance is designed for paying off your final expenses, such as medical bills, credit card debt, funeral and burial costs, etc.

Submit a quote request or call for expert advice

 

 

 

*Quotes based on a composite of participating carriers which have at least an “A-” rating by A.M. Best. Rates current as of 5/5/2016 for a Guaranteed 10 year term-life policy, 250,000 in coverage issued at each company’s best-published rates. Sample rate is for a preferred plus, non-tobacco user, male and female age 30. Rates and the products available may vary by state. All policies are subject to underwriting approval.