Life & Health Insurance
Life & Health Insurance Quote Forms
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Life & Health Insurance Information
Finding the right Life Insurance coverage can be complicated - call us and talk to a licensed professional agent.
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We are licensed with over 50 Life Insurance Companies and have over 250 different plans.
If you are looking for Life insurance and are overwhelmed by the number of companies, plans, options, and premiums, then you've come to the right place. Whether you are looking for life insurance for the first time or you are looking to change or compare with your current insurance, whether you are single or have a family to protect, the licensed agents at Koch Insurance Brokers will assist you to ensure you find the coverage you are looking for at the best possible price.
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General Life Insurance Information:
What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home. Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.
What kinds of Life insurance are there?
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
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.
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. Contact us for a free consultation today!