Josh Mullis - American National Insurance - Ogden, Weber, Utah. Easy Quotes, Excellent Service - Auto, Life, Home, Health, Annuity.
How much life insurance you need depends on your individual needs and your financial objectives for your family.
While life insurance cannot replace you, it can provide the funds to:
- Pay final expenses
- Replace all or a portion of your income
- Keep your family in their home
- Establish a college education fund
- Cover financial emergencies
- Provide a child and/or home care fund
How much life insurance is enough?
This question is best answered through an analysis of your family and financial situation, as well as your financial goals and objectives.
What Type of Life Insurance Should I Buy?
All life insurance falls into one of two categories of coverage. Each category has certain characteristics that make it more suitable for certain needs:
Term Life Insurance
- Provides temporary protection for the term of the policy.
- If the insured dies within the term period, the insurance company pays the death benefit.
- If the insured survives the term period, the coverage terminates.
Cash Value Life Insurance
- Provides lifetime protection, so long as the policy is kept in force.
- The insurance company pays the death benefit regardless of when death occurs, so long as the policy is kept in force.
- The policy accumulates cash values that can be used during the insured's lifetime (withdrawals and loans will reduce the policy's death benefit and cash value available for use).
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All products, coverages and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.
Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten in American National Property And Casualty Company (ANPAC®), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.
Disability Income products and services are provided by Illinois Mutual Life Insurance Company, Peoria, Illinois.
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SM&R is not affiliated with American National Insurance Company.
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These brief descriptions of available coverages are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. The American National Family of Companies reserves the right to discontinue programs at any time.
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