We find the best Life insurance

Life phases never remain the same and priorities change with passing time. Planning for life necessities for your family in the event of unexpected is one of the most important insurance coverage. In the midst of all insurance commercials and advertisements, it may seem life insurance is just a commodity. It’s not. With hundreds of policy options from dozens of insurance companies, the best insurance purchase decision is often made with the help of a profession insurance agent.

Term Life Insurance

Term life insurance provides coverage for a specific period of time. This means if you don’t die within the term of the policy, your beneficiary doesn’t get the death benefits. It is one cost-effective way of taking care of the routine-left-behind expenses. Common lengths for term life insurance are 10, 20, or 30 years. You may want to have the policy last until the retirement or as long as your youngest dependent will need financial support.

Permanent Life Insurance

Permanent life insurance, as the name implies, provides coverage entire life, as long as you continue to pay the premiums. Permanent life insurance is also called cash-value insurance it has cash value component associated with the policy. The premium for permanent life insurance is generally more expensive than for term life, but it usually doesn’t increase as you age. In some circumstances, you can even borrow money tax free from your permanent life policy.

Plan Types

Pathak Insurance addresses these life necessities through simple, to-the-point insurance plans. We think about each of your important life demands beforehand, be it your children’s future, job transition or an unexpected illness. Use our experience and insight to tactfully select the right coverage that provide right financial support in time of need. Call us today at 703-249-4998 for a no obligation quote.

Whole Life

It is considered to be more stable policy and the premium is fixed. Guaranteed growth of cash value through investment period.

Universal Life

Policy offers flexibility to adjust premium as long you meet predetermined minimum and maximum amounts. Easier to adjust the death benefit (if you want more or less coverage).

Variable Life

Policy offers investment options including stocks, bonds, and mutual funds. It is a good choice for someone who wants to manage their investments.

Variable Universal Life

Policy combines universal life with variable life policies in single policy It offers enhanced investment features of variable life with the flexibility of universal life.

Life’s worth after life

Term life insurance, whole life insurance, universal life insurance, survivorship insurance…the list and combinations seem endless. Do you know which life insurance policy type is right for you? We can help. A few of the companies we represent include: Mercury, Lincoln Financial, Liberty Mutual, Kemper, Augusta Mutual, and many more. Please call us at 703-249-4998.