Life insurance is more than just an insurance policy for most people. It’s one of the most essential protections for your family’s future protection and well-being. With Larry E Crum & Associates, you get more from your life agent than just a nuts-and-bolts policy explanation. Because life insurance may have an impact on other insurance and investment decisions, you need someone who truly understands the nuances associated with different policies and what this means for your financial protection priorities.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure these strategies and products are suitable for your long-term life insurance needs. You should weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing. Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy. Variable life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.
Not sure how much life insurance you need? Our agents will look at your household situation and what it will take to maintain your family’s living standard in the face of lost income and personal tragedy. We also help you navigate four potential policy types: term, whole, universal and variable universal. With patience and clarity, we help you understand what these policies mean for you and your loved ones.
Whether you are just starting your family or you’re looking at life insurance as part of your retirement planning, Larry E Crum & Associates has the insurance products and expertise to build a policy that’s right for you. If you need help obtaining financial protection within your monthly budget or if you are a beneficiary of a Nationwide policy, the hallmark of our customer service is nothing short of making sure your family is taken care of in the loss of life.
To speak with one of our experienced associates and learn more about life protection, call (901) 767-2210 or you may choose the office nearest to you from our LOCATIONS page.