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Life Insurance


Life Insurance Quote Forms

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Life Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Life Insurance Information

Benway Johnston Insurance Agency offers a wide variety of life insurance products to protect and manage the risks of life. There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Life Insurance protects what is important
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.


Term Life Insurance

Term insurance comes in two basic varieties: level term and decreasing term. The terms “level” and “decreasing” refer to the death benefit amount during the term of the policy. The more popular of the two is level term insurance. A level term policy pays the same benefit amount if death occurs at any point during the term. Common types of level term are: 5-year, 10-year term, 15-year term, 20-year term, 25-year term, 30-year term.

Universal Life Insurance

This type of policy offers flexibility. The savings vehicle (called a cash value account) generally earns a money market rate of interest. As money accumulates in your account, you will also have the option of altering your premium payments – providing there is enough money in your account to cover the costs. This can be a useful feature if your economic situation has suddenly changed. However, if you stop or reduce your premiums and the saving accumulation gets used up, the policy might lapse and your life insurance coverage will end. Contact us today for a free life review!

Whole Life Insurance

This is the most common type of permanent insurance. It offers a death benefit along with a savings account. If you pick this type of life insurance policy, you are agreeing to pay a certain amount in premiums on a regular basis for a specific death benefit. The savings element would grow based on dividends the company pays to you.NH Life Insurance Quote




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