Life Insurance- Protect What Matters Most.
Your family is a significant part of your responsibility and your everyday life. Watching family members grow and participating in their ambitions, dreams, and conquests bring joy to both you and them. What if something unexpected happens to you? Are you prepared to provide the certainty your family needs to keep their futures secure? With Brenda Williams Insurance Agency, she will help you put the right tools in place to protect your family in the event of premature death.
The Life Insurance policy that fits your family's specific needs can provide reassurance by knowing your family, and the finances will be taken care of – from temporary to permanent coverage. Brenda Williams understands that life is in constant change, which can impact the family's financial and insurance needs. Life changes are a crucial reason to review your Life Insurance options with an agent you can trust. The right Life Insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage.
Find the Life Insurance tailored to your needs and budget.
The right life insurance coverage for every one of our customers in Ohio is unique. Talk with Brenda Williams Insurance today to find out how to protect your family and your future with the right life insurance.
There are life insurance options for any life situation, such as:
- Individual Life Insurance
- Long-Term Care Insurance
- Mortgage Protection Insurance
- Disability Insurance
- Second-To-Die Policy
Why Life Insurance?
It’s an investment in yourself and the future of your loved ones, and an avenue to secure the family's financial responsibilities. Life Insurance is one of the most important investments you can make. Brenda Williams will help you find the solutions to keep your family financially protected in the case of an untimely death.
Don’t leave the future of you and your loved ones to chance. A Life Insurance policy can provide money for continuing mortgage payments, pay off debts and estate taxes, and possibly keep your business moving forward. But most important, it can be used to ensure that your family’s aspirations for the future become realities. Be prepared by providing the certainty your family needs to keep their prospects safe and sound.
Reassurance for you and your Loved Ones.
At Brenda Williams Insurance Agency, I understand that as circumstances in your lifetime change, so will your insurance needs. Change makes it essential to review your Life Insurance options with an agent you can trust. Also, the longer you put off buying life insurance, the more you risk paying significantly higher rates. If an accident or illness hits before you purchase a policy, what was an affordable plan can become financially out of reach. Call me today at (330)718-0166 to see how simple it is to lock in your rates with the lowest premiums possible.
Protect what matters most in your life with a policy from Brenda Williams Insurance Agency.
As your individual and family situations change (i.e., marriage, the birth of a child or job promotion), so will your life insurance needs. Be sure to consider that the products are suitable for your long-term life needs. You should discuss any associated charges before investing. Life insurance has fees or expenses associated with it that include different costs due to various insured characteristics such as gender, health, and age. There can be added charges for riders that customize a policy to meet your individual needs.
Brenda Williams provides Life Insurance solutions for clients in the Mahoning Valley.
Many individuals recognize life insurance to be the foundation of a sound financial strategy. And while we don't like to think about passing on, Life Insurance can relieve you of the economic concern your family may face in the result of your passing.
The recipients will be able to use your Life Insurance policy to help cover payments from expensive funeral costs and estate taxes to replacing lost income or financing your child’s education. The payout can even be used to continue payments on your mortgage to help guarantee that the family home stays in the family.
At Brenda Williams Insurance Agency, I know that selecting a Life Insurance plan is a significant decision with many factors to consider. I am committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.
What You Need to Know
Brenda Williams Insurance Agency 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. If you do not currently have life insurance, a term policy can be an excellent place to start. It’s generally less expensive than permanent (whole) life insurance and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 30-year (level term) period.
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 build cash value over time by accruing dividends or are limited pay (Single premium or 20 years of payments).
Universal Life Insurance
Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts, and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically but is usually guaranteed not to fall below a certain percentage. What type of life insurance is best for you? Talk with Brenda Williams. She can assist you in identifying the best protection for you.
Advantages of Life Insurance
Having the right life insurance is essential to planning for your present and your future. Not only can life insurance assure your family after you are gone, but many life insurance options also offer other benefits and investment opportunities you can take advantage of while you are living.
Life Insurance Death Benefit
When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Living Benefits
The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the increase of cash value unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.
There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. Brenda Williams will review your current life insurance situation and help you design a policy to plan for the future. At the end of the day, one of the most significant investments you can make is an investment in yourself.
