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Life Insurance

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We won’t try to pair you with a one-size-fits-all policy. We’ll help you explore your options for your insurance coverage. Call us (802) 773-3000

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Life Insurance

Life Insurance from Hull Maynard Hersey

When you think about insurance coverage, you are probably envisioning protection for financial burdens that you might face in your life, such as the cost of rebuilding your home after a fire.

However, insurance can also provide you with the peace of mind that your family will be taken care of once you’re gone. Life insurance is coverage that’s designed to pay out a lump sum benefit to designated beneficiaries after you pass away.

If you’re the primary breadwinner in your household, this type of coverage can keep your family supported in the absence of your income. However, buying life insurance can easily feel overwhelming. In addition to having to think about your own mortality, you’ll be faced with lots of different policy choices at a wide range of costs. Hull Maynard Hersey Insurance is here to help through every step of the process, from calculating your life insurance quote to naming your beneficiaries. We personalize our approach for you.

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Types of Life Insurance Coverage

When you visit an insurance company to discuss your life insurance needs, the question isn’t “Do you need it?” but rather “What type of coverage is right for you?”

There are a few different types of life insurance to be aware of. Here’s a look at the options:

  • Term Life Insurance – Term life insurance has several perks: It’s affordable, predictable, and straightforward in its coverage. With term life insurance, your listed beneficiaries will receive a pre-determined death benefit if you pass away within a given period, such as 10 or 20 years. If you want to provide your family with a safety net during your working years, term life insurance is a great option.
  • Permanent Life Insurance – Unlike term life insurance, permanent policies will remain active throughout the policyholder’s life, provided that other policy terms are met. There are two different types of permanent life insurance:
    • Whole Life Insurance – With a whole life policy, you’ll still designate beneficiaries to receive a death benefit upon your passing. However, these policies also have the capability of cash growth through excess premiums, which is often tax deferred and accessible through the life of the policy. If those funds are unused during your lifetime, they will be issued to beneficiaries as well. Another important characteristic of whole life insurance is the ability to lock in lower premiums by purchasing a policy at a younger age. Alternatively, purchasing whole life insurance at a much older age can provide burial coverage to curb the cost of funeral expenses for your family.
    • Universal Life Insurance – Universal life insurance also builds up cash value and is a type of permanent policy. However, universal policies offer much more flexibility as well as variable premiums.


How to Purchase Coverage

Because there are so many different life insurance options available, it’s important to sit down with an agent to explore your needs. Your insurance agent should take plenty of time to discuss your needs and expectations with your policy, and to walk you through the policy language in plain English. That’s exactly the type of attention you can expect with Hull Maynard Hersey Insurance.

To get started on a life insurance quote with us, click the quote button and we’ll contact you soon!

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