{"id":604,"date":"2021-06-05T20:01:10","date_gmt":"2021-06-06T03:01:10","guid":{"rendered":"https:\/\/www.prendivilleagency.com\/?page_id=604"},"modified":"2021-10-27T13:19:31","modified_gmt":"2021-10-27T20:19:31","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.prendivilleagency.com\/personal-insurance\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.11.1″ _module_preset=”default” background_image=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Life-Insurance-Banner.jpg” custom_padding=”150px||150px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.3″ _module_preset=”default” text_font=”Source Serif Pro|700|||||||” text_text_color=”gcid-084db80d-d2ab-4284-8808-fd8cdcc6f798″ text_font_size=”24px” custom_margin=”||5px||false|false” global_colors_info=”{%22gcid-084db80d-d2ab-4284-8808-fd8cdcc6f798%22:%91%22text_text_color%22%93,%22gcid-8ed237aa-f023-4d4a-a4d8-57215a3c85a0%22:%91%22text_text_color%22%93}”]<\/p>\n

Personalized coverage. Personalized service.<\/p>\n

[\/et_pb_text][et_pb_text module_class=”h1_home” _builder_version=”4.9.11″ _module_preset=”default” text_font=”Source Serif Pro||||||||” header_font=”Source Serif Pro|800||on|||||” header_text_color=”#ffffff” header_font_size=”36px” custom_margin=”||0px||false|false” header_font_size_tablet=”64px” header_font_size_phone=”48px” header_font_size_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Life Insurance
<\/span><\/span><\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.10.6″ _module_preset=”default” custom_padding=”||7px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.2″ _module_preset=”default” text_font=”Source Serif Pro|700|||||||” text_text_color=”#056cf2″ text_font_size=”48px” custom_margin=”||18px||false|false” custom_margin_tablet=”||16px||false|false” custom_margin_phone=”||8px||false|false” custom_margin_last_edited=”on|tablet” text_font_size_tablet=”48px” text_font_size_phone=”36px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Protect The People You Love With Life Insurance<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.11.1″ _module_preset=”default” header_2_font=”Source Serif Pro||||||||” header_2_font_size=”42px” custom_margin=”||0px||false|false” header_2_font_size_tablet=”” header_2_font_size_phone=”34px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Get the peace of mind knowing your loved ones are taken care of after you\u2019re gone.<\/h2>\n
\u00a0<\/div>\n

[\/et_pb_text][et_pb_divider color=”#bf2604″ divider_position=”center” divider_weight=”8px” _builder_version=”4.9.11″ _module_preset=”default” width=”8%” custom_margin=”20px||35px||false|false” custom_margin_tablet=”” custom_margin_phone=”20px||35px|0px|false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” text_line_height=”1.8em” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

\"\"Who depends on your income for their wellbeing? How are you helping protect their financial futures?<\/p>\n

We work with individuals, families, and small businesses to make sure they have the most affordable and appropriate protection. Life insurance may be one of the most important insurance coverages to consider for your family. Knowing you have the coverage you want can help you face financial fears with confidence that you’re providing financial support for those you’d leave behind.<\/p>\n

We want to understand your goals and discuss options so you can select the products you want, such as term life or universal life insurance.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.11.3″ _module_preset=”default” background_color=”#f7f7f7″ custom_padding=”1px||7px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Life Insurance Options:<\/strong><\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.10.7″ _module_preset=”default” height=”195px” custom_margin=”7px|auto|313px|auto||” custom_padding=”5px||1px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Temporary-Life-Shield.png” title_text=”Temporary Life Shield” show_bottom_space=”off” align=”center” admin_label=”Term Life” _builder_version=”4.11.3″ _module_preset=”default” width=”60%” max_width=”275px” module_alignment=”center” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” header_5_font=”Source Serif Pro|600|||||||” header_5_text_align=”center” header_5_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” custom_margin=”||-21px|||” custom_padding=”0px||||false|false” global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_5_text_color%22%93}”]<\/p>\n

Temporary Insurance:<\/strong><\/em>\u00a0The simplest type of life insurance, and usually the least expensive to start.<\/h5>\n
\n
    \n
  • Provides coverage as long as you pay the premiums, typically up to age 90.<\/li>\n
  • Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age.<\/li>\n
  • Can be especially popular with younger families, business owners or those with debt such as a business loan or home mortgage.<\/li>\n<\/ul>\n<\/div>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Permanent-Life-Shield.png” title_text=”Permanent Life Shield” show_bottom_space=”off” align=”center” admin_label=”Universal Life” _builder_version=”4.11.3″ _module_preset=”default” width=”60%” max_width=”275px” module_alignment=”center” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.11.3″ _module_preset=”default” header_5_font=”Source Serif Pro|600|||||||” header_5_text_align=”center” header_5_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” custom_margin=”||-21px|||” custom_padding=”0px||||false|false” global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_5_text_color%22%93}”]<\/p>\n

    Permanent Life:<\/strong><\/em> Offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums, and allows you to adjust the death benefit amount.<\/h5>\n
      \n
    • You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there\u2019s enough value in the account to cover the deductions.<\/li>\n
    • You can build more cash value by paying more premium.<\/li>\n
    • When priorities change, you can reduce or even pause premium payments as long as there\u2019s enough cash value to cover policy costs.<\/li>\n<\/ul>\n
      \u00a0<\/div>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.11.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Combo-Life-Shield.png” title_text=”Combo Life Shield” show_bottom_space=”off” align=”center” admin_label=”Combo Life” _builder_version=”4.11.3″ _module_preset=”default” width=”80%” max_width=”800px” module_alignment=”center” custom_margin=”28px|||||” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” min_height=”492.9px” custom_margin=”22px|||||” global_colors_info=”{}”]<\/p>\n

      Combo Approach:<\/strong> If you\u2019re considering life insurance, you may have been exposed to the age old argument of Term vs Universal. While Term is economical, it often times (hopefully) won\u2019t outlive you- In other words, you might outlive your 10, 20 or 30 year term life policy. While Universal can be forever and can be an excellent source of cash, it can also be expensive if the benefit is too high. Often times, we recommend a combination approach to capture the upside of both types of policies.<\/p>\n

      Suppose you\u2019re 35 and have a family with young kids, a mortgage and a total need of $1M in benefit. If you buy a 30 year term policy, it\u2019s easy on the budget, but what happens when you\u2019re 65? Do you really not need insurance after age 65? That\u2019s the common line coming from the 35 year old, but not the 65 year old. While the 65 year old may not need as much insurance as the 35 year old, life insurance is still beneficial for a number of reasons such as:<\/p>\n

        \n
      • Protection for a spouse<\/li>\n
      • Paying off debts<\/li>\n
      • Long term care expenses<\/li>\n
      • Caring for a disabled grandchild<\/li>\n
      • Contributing to your grandchildren\u2019s educational expenses<\/li>\n<\/ul>\n

        There\u2019s not one solution for all, but a possible solution may look like:<\/p>\n

        Buy a $700,000 term policy and a separate $300,000 universal life policy. With this approach, you will have a full $1M for when the kids are young and the mortgage\/rent is high. Then, when the term runs out and you\u2019re still doing well into your golden years, you keep the universal life to the very end, while having access to a cash value at a time when you\u2019re probably not working.<\/p>\n

        No one ever regrets having life insurance to pass on to a loved one.<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.11.1″ _module_preset=”default” custom_margin=”17px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.6.1″ _module_preset=”default” custom_padding=”15px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.1″ _module_preset=”default” text_line_height=”1.8em” header_3_text_align=”center” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

        Why do I need a Life Insurance policy?<\/strong><\/em><\/h3>\n

        <\/h3>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ make_equal=”on” _builder_version=”4.10.7″ _module_preset=”default” height=”195px” custom_margin=”7px|auto||auto||” custom_padding=”5px||1px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Debt” image=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/House-Mortgage-Icon.png” _builder_version=”4.11.4″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” body_text_align=”left” body_text_color=”#000000″ global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_text_color%22%93}”]<\/p>\n

        When people associate Life Insurance with debts, they usually think about a home mortgage for very good reason. Life insurance can help your family retain the family home. But, life insurance can also be very useful in covering student loans, auto loans, business debts and more.<\/p>\n

        [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Children\/Family” image=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Children-and-Family-Icon.png” _builder_version=”4.11.1″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” body_text_align=”left” body_text_color=”#000000″ global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_text_color%22%93}”]Food, clothing, vacations, education\u2026 there\u2019s no question, raising a child is a huge financial commitment. Life insurance proceeds can help financially support those you leave behind so a personal tragedy doesn\u2019t become a financial one.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Future Income” image=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Future-Income-Icon.png” _builder_version=”4.11.1″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” body_text_align=”left” body_text_color=”#000000″ global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_text_color%22%93}”]Who depends on your income today, and in the future? Are you building a nest egg for your spouse? Supporting a loved one with special needs? Applying for life insurance today could help you provide them with financial support when you\u2019re no longer here.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.10.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Business Life” image=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/10\/Restaurant-Building-Icon.png” _builder_version=”4.11.1″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_text_color=”gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b” body_text_align=”left” body_text_color=”#000000″ global_colors_info=”{%22gcid-fba1ed6e-aca3-4b34-9367-ba49dc11488b%22:%91%22header_text_color%22%93}”]<\/p>\n

        People can be a business\u2019s biggest asset, and its biggest expense. Life insurance can help you cover your business against the loss of key employees, help fund the transfer of a business when one owner or partner dies, or help you retain valuable employees as a long-term benefit.<\/p>\n

        [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.10.8″ _module_preset=”default” background_image=”http:\/\/www.prendivilleagency.com\/wp-content\/uploads\/2021\/09\/Red-CTA-Background.jpg” background_size=”initial” min_height=”253.9px” custom_margin=”237px|||||” custom_padding=”46px||18px|||” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.10.7″ _module_preset=”default” custom_padding=”||42px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.6.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” text_text_color=”#FFFFFF” text_line_height=”1.8em” header_4_font=”Source Serif Pro|600|||||||” header_4_text_align=”center” header_4_text_color=”#FFFFFF” header_4_font_size=”24px” text_orientation=”center” min_height=”198.8px” custom_margin=”-17px||7px|||” custom_padding=”||1px|||” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

        Contact Prendiville Insurance to help protect the one you love. One of our Life Insurance specialists will help you determine the best type, coverage amount, and policy for your situation.<\/strong><\/h4>\n

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        Personalized coverage. Personalized service.Life InsuranceProtect The People You Love With Life InsuranceGet the peace of mind knowing your loved ones are taken care of after you\u2019re gone. \u00a0Who depends on your income for their wellbeing? How are you helping protect their financial futures? We work with individuals, families, and small businesses to make sure they […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1434,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/604"}],"collection":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/comments?post=604"}],"version-history":[{"count":5,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/604\/revisions"}],"predecessor-version":[{"id":2682,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/604\/revisions\/2682"}],"up":[{"embeddable":true,"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/pages\/1434"}],"wp:attachment":[{"href":"https:\/\/www.prendivilleagency.com\/wp-json\/wp\/v2\/media?parent=604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}