Explaining Different Types Of Life Insurance Policies

Patrick McNealis Insurance and Financial Group are proud to serve the Emmaus, PA community. We take a personalized approach to offer coverage. We recognize that each of our clients has unique needs. That’s why we are committed to helping them obtain policies that align with their future and present goals. We will work with you to find the right policy for your situation.

Explaining Different Types Of Life Insurance Policies

Life insurance allows you to plan for emergencies. The policy offers protection if you unexpectedly pass away. You can help lessen the burden on your loved ones as they cope with your passing. They can use the policy to make funeral arrangements or get your affairs in order. You can use the coverage to help your children pursue higher learning at Emmaus PA school or another institution. You can use the policy to ensure that your loved ones continue operating the business you started. Life insurance can help fulfill a variety of needs. As you figure out which policies make sense for your situation, learn about these different types of life insurance.

Whole Life

Whole life coverage ensures that you will receive coverage throughout your entire lifespan. This policy ensures that your loved one will receive some insurance making your funeral arrangements.

Term Life

Term life coverage provides coverage during a particular amount of time. Usually, the duration of a term life policy is between 10 and 20 years. During this period, you will receive full coverage. You can start another policy or pursue different coverage at the end of the period.

Variable Life

Variable Life policies are considered more high risk because while you will receive coverage, the policy’s total value may fluctuate depending on some variables.

Patrick McNealis Insurance and Financial Group Will Help You Cover Your Assets

Contact our office to learn more information about life insurance.

Buy Life Insurance Now: Here’s Why

At Patrick McNealis Insurance and Financial Group, we help many Emmaus, PA residents find the life insurance policy that they need. You might not think that life insurance is necessary for your well-being. That’s simply not the case at all. Here is why.

Protect Your Family 

The number one goal of any life insurance policy should be to protect those you leave behind. For instance, you may need to pay money to your spouse and your children to help when you pass. This cash can help them to pay funeral expenses and adjust to life after you, especially if you were the primary or only money-making member of the home.

Avoid Legal Troubles 

If your family runs into financial problems after you pass, they may also run into legal concerns as well. For example, it may be possible for them to struggle to pay certain bills and get stuck behind on their payments. This situation is very scary and requires the payout of a life insurance policy to minimize their risk of confusion.

Hold Your Estate Together 

Lastly, a good life insurance policy helps to keep your estate in one place to minimize dispersal. For example, if you don’t name any beneficiaries for your goods, such as your home and other items, they may end up going to the state. Life insurance policies can help you prepare for this issue alongside a high-quality estate planning professional.

Get Help Today

If you don’t have life insurance to protect yourself and your family, it is important to seriously consider finding some as soon as possible. By talking to us at Patrick McNealis Insurance and Financial Group, you can get set up to keep your Emmaus, PA estate safe and proper after you pass.

4 Important Benefits Of Life Insurance

Patrick McNealis Insurance and Financial Group serves the Emmaus, PA community, as well as the surrounding areas. We strive to help our clients take care of their assets. Offering excellent customer service is important to us. We will help you assess your options and find the coverage you need to prepare for the unexpected.

Life insurance helps alleviate some burden off of your loved ones as they cope with your passing. The policy is a valuable asset that helps give your loved ones some peace and comfort as they figure out what’s next. Here is a look at some important benefits of life insurance.

Assist Your Loved Ones In The Face Of Uncertainty

Dealing with loss is painful for everyone. When you pass away, your loved ones will be in charge of navigating your affairs. Life insurance can assist your loved ones as they put your affairs in order.

Final Arrangements

Life insurance can assist your loved ones as they prepare your final arrangements. This will help ensure that there is a smooth transition following your passing.

Help With Future Costs

If you have children, your life insurance policy can help your children go to college. The policy can also help your loved ones take care of your assets.

Inheritance

If you have valuable assets, having a life insurance policy in place can help you leave an inheritance for your loved ones. You’ll have comfort knowing that your assets are in safe hands.

Patrick McNealis Insurance and Financial Group Will Help You Protect Your Assets

Visit our website to learn more information about life insurance or contact our office in Emmaus, PA.

Tips on The Agency To Purchase Your Life Insurance From in Emmaus, PA

When it comes to life, there are many aspects of it to enjoy. Your family, friends, favorite activities, working in your dream career, and much more. However, one of the most critical elements of life that you have to worry about is life insurance. 

Patrick McNealis Insurance and Financial Group is based in Emmaus, PA, and has served the local community for many years. It is our mission to provide every client with the appropriate protection that is needed, life happens out of the blue, and sometimes we cannot be prepared for it. So why not be prepared for something like investing in life insurance now? Here are quick tips on what you should look for in an agency when shopping for life insurance.

How long has the agency been in business?

In the business world, longevity means a lot. A good insurance agency that has 10+ years of experience shows that they have put in some time with serving the local community. This lets you know that the community trusts them with crucial life decisions that they work together on a long-term basis. 

The reputation of the agency from current clients

Life insurance is a major decision to make in life, and to choose the perfect agency for you takes some time and research. One thing to pay attention to is what the current clients think about them. Many insurance agencies now and days offer more than just one type of insurance. If you can see and hear a multitude of good reviews from clients they work with now, think about the positives and how they can do the same for you. 

Would you like to learn more information from our team? Contact Patrick McNealis Insurance and Financial Group in Emmaus, PA to discuss your options and learn how you can get started with a quote.