A well-crafted life insurance policy protects your family’s financial well-being in the event of your incapacitation or passing. We will pair you with an experienced life insurance agent who can help build the best coverage plan for you based on your current finances and goals.
Any good life insurance plan must cover more than funeral expenses and medical bills — a well-tailored life insurance policy protects the financial future of your loved ones and covers monthly living expenses and debts, so they are not a burden on your family.
Understanding the complexities of insurance coverage and the differences in policies is overwhelming. We encourage you to always speak with a licensed advisor who can help you understand the specifics of a policy, or what type of coverage is right for you.
At Harner Insurance, we will help you determine which policy structure make the most sense for your situation. Call or contact us to schedule a consultation. However, if you would like to learn a little more about term, whole, and universal life policies, take a look at this article and graph from Nationwide.
Universal Life
At Nationwide, we offer both whole and universal life insurance protection. But what is the difference between the two? We recommend discussing your needs with an Agent, but here are the basics.
Whole and universal life policies are both considered permanent policies. These policies are designed to last your entire lifetime and won’t expire, as long as you pay the premium on time.
Both whole and universal policies allow you to build cash value over time. The main difference between the two is that a universal policy offers flexible premiums based on the policy’s potential cash value. So you could, for example, potentially use that cash to skip a premium payment or you could leave it alone to build even more cash value.
At Harner Insurance & Financial Services, we understand that finding the best policy for your personal situation is your number one priority. Our dedicated agents and financial planners provide access to quality coverage while maintaining individual attention and care one might expect from a small business.
With us, you’re not a number. When you call, we’ll know you by name and you will speak with an agent or advisor you know and trust. This approach means our clients get a personalized experience and access to top tier insurance policies with competitive rates.
If you are in the Harrisburg or Central PA area and are considering whole, term, or universal life insurance, please contact us today.
If you have general questions or you would like a personalized quote, call our Harrisburg office at 717-561-0547 or contact us to request more information.
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