Life Insurance

Life Insurance

Protecting your family’s future may cost less than you think.

Life insurance provides confidence – confidence that your mortgage payment will still be made, that your children can pursue a college degree, or that you won’t leave a financial burden on your loved ones should you die prematurely. With access to dozens of the best life insurance companies available, LeschWilliams Insurance Agency will help you determine a life insurance amount your family is comfortable with and secure the best rates possible. Serving Maplewood, MN and the surrounding communities for over 20 years, we’ll be here when you need us. Contact us or request quotes to get started.

Life Insurance Coverage

Term LifeLow cost policy that provides coverage for a specified term, usually 10, 20, or 30 years.
Whole LifePolicy with a cash value component that earns an interest rate. Typically pays out at age 100 or upon death.
Universal LifeFlexible policy that can be structured to include cash value or not and last indefinitely or for a specific length of time.
Instant Issue Term LifeTerm policy that can be issued immediately with no medical exam.
Return of Premium Term LifeTerm policy that returns the sum of premiums paid back to the policy owner if the policy expires without being used.
Many MoreThere are many coverages available that may be necessary depending on your needs.

Frequently Asked Questions

What does life insurance cost?

The cost of depends on many factors like your age, gender, health condition, and the type of policy you purchase. Term life is the simplest and most cost effective option. A 30 year old male with a preferred rating can purchase $250,000 in term life coverage for only $20 per month.

How much coverage do I need?

This depends on what you and your family are comfortable with. You’ll need to consider things like outstanding debt, income requirements to sustain the household, college costs, and more. LifeHappens.org offers a handy calculator to help you get started.

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