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Life Insurance

Life insurance is a contract between a policyholder and an insurance company. The insurer is required to pay premiums to the insurer in exchange for a lump sum payment in the event of their death. This payment is known as death benefits and is paid to the beneficiaries of the insured. Watchmen Insurance Group provides life insurance coverage for the residents of Raleigh, NC. Kindly contact the insurance company for life insurance quotes today.

Term life insurance

This type of policy is the simplest form of life insurance. The insurance policy is designed to pay death benefits to the beneficiaries if the death of the insured occurs during the specified term of the policy. The premiums paid by the policyholder will remain the same over the entire term of the policy. After the specified period, the policy may continue to offer coverage at higher premiums.

Universal life insurance

Universal life insurance is a type of policy designed to provide lifetime financial coverage. With this type of insurance coverage, you will enjoy the flexibility of being able to adjust a number of premiums throughout your lifetime. The premiums paid for universal life insurance will be higher than those paid for term insurance. This is because it offers lifetime coverage.

Whole life insurance

Just like universal life insurance, this is a permanent life insurance that offers lifetime coverage. The insurance coverage has fixed premium amounts with higher premiums than those of term insurance. When you purchase whole life insurance in North Carolina, you will also enjoy the cash value associated with the policy. This insurance works like a savings component that accumulates over a period of time.

Regardless of where you live in Raleigh, NC, you should contact Watchmen Insurance group when you are ready to purchase life insurance. We are ready to answer any questions you may have and help you choose the right policies for your situation.