Life Insurance

We understand that buying life insurance can be overwhelming and sometimes confusing, but our team at Armstrong & Associates is here to help you!  For the most part, life insurance can be separated into two types: Term Life Insurance and Permanent Life Insurance. 

Term Life Insurance is purchased in order to provide a lump sum benefit to your beneficiaries should you pass during the specified life of the policy (5 years, 10 years, or 20 years).  There is no cash value to this plan, and if the policy expires before your passing, there is no benefit at the end of the policy term.  

Permanent Life Insurance is available to you until you pass, as long as you make the monthly premium and other contractual agreements that you agreed to when purchasing the policy.  All Permanent Life Insurance policies build cash value, and you are able to borrow money against the accrued value to date.  There are several types of Permanent Life Insurance; we encourage you to consider the needs of you and your beneficiaries and follow the link below to find the best-matching quote for both of you.

Both types of life insurance will provide your beneficiaries with financial support to assist them after your passing.  They can use their benefit for whatever they want or need, such as:

• Making up for lost income
• Paying for funeral and related expenses
• Paying off debt
• Paying for your children's education costs

How Much Life Insurance Is Right For Me?  Find out how much coverage is right for you and your family.  To see a quote on life insurance to best fit the needs of you and your beneficiaries please complete our life insurance quote form.  

Disability Insurance

Becoming disabled through an injury or sickness can mean a significant loss of
income. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.  For more information and to get a quote, fill out our disability quote form.  We will automatically receive your information and contact you directly.

Long Term Care Insurance

If you are concerned about being financially secure during your retirement years, you owe it to yourself and your loved ones to protect yourself against what could be the greatest threat to your financial security; the cost of long-term care.