Life Insurance

Term Life Insurance

Term Life Insurance, which is usually the least expensive form of life insurance, pays a death benefit to your beneficiary or beneficiaries if you die while the insurance policy term is in force. If after the term period you don’t renew your policy, or if you stop paying the premium, the coverage ends then no coverage will be afforded.

Six Reasons to Consider a Term Life Insurance Policy from CounterPoint Insurance:

• Always speak to your assigned agent while your application is being processed. No voice mail during business hours. We are here to serve you.
• We only quote guaranteed term rates from highly rated insurance companies. We offer life insurance quotes with ratings of A, A+ and A++.
• Use our fast and accurate life insurance quote engine to correctly qualify yourself for the insurance coverage that is optimal for you.
• We offer excellent customer service and complete attention to detail, allowing your policy to be issued in an expeditious manner.
• No one else will contact you other than us – we never sell your information to third parties.
• We only represent you the consumer. We offer affordable rates from multiple top rated insurance carriers.

Universal Life

Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments – i.e., the more you pay, affects the length of time you will have to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates.

Whole Life

Whole Life Insurance provides permanent protection for the whole of life – from the date of policy issue to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever cancelled.

With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right life insurance quote for you. Contact CounterPoint Insurance today for more information and get a free NH life insurance quote!