Quote Forms
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Life Quote Form
Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Request Declaration and Coverages Page for Existing Life Insurance Coverage
Additional Resources:
Determining Your Life Insurance Beneficiary
How Your Life Insurance Needs Change Over Time
Must Know Life Insurance Info For Smokers
Life Insurance To Assist With Funeral Expenses
Do You Need To Buy Life Insurance For Your Children?
Whole Life Insurance vs Term Life Insurance
Read more life insurance related blog articles here
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Laredo Life Insurance
Edinburg, McAllen, Mission and surrounding areas in the Rio Grande Valley of Texas
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.
Thank you for your interest in Raymond Longoria Insurance. We work on behalf of our clients not carriers to bring you the best coverage and rates. Please feel free to call our office at 888-296-0345 or email your questions and an insurance professional will reply promptly.
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