Life Insurance
Secure Your Future with a Life Insurance Plan Today!
Do I really need life insurance?
Yes! Life insurance provides financial security for your loved ones if something happens to you. It helps cover funeral costs, debts, mortgage payments, and future expenses.
How much life insurance do I need?
It depends on your income, debts, family size, and future goals. A common rule is 10-15 times your annual income, but we can help you find the right amount.
What’s the difference between term and whole life insurance?
Term Life – Covers you for a set period (10, 20, or 30 years) at an affordable rate.
Whole Life – Covers you for life and builds cash value you can borrow against.
Can I get life insurance if I have health issues?
Yes! Some policies require a medical exam, but others offer no-exam coverage at a slightly higher cost. We’ll help you find the best option.
Is life insurance through my job enough?
Probably not. Employer policies usually provide only 1-2 times your salary, which isn’t enough for most families. Plus, you lose coverage if you leave your job.
Can I use life insurance while I’m still alive?
Yes! Some policies build cash value you can borrow from, and others offer living benefits that pay out if you’re diagnosed with a serious illness.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Life Insurance Coverage
We offer the following options;
- Term Life Insurance – Provides coverage for a set period (e.g., 10, 20, or 30 years) with a fixed premium.
- Whole Life Insurance – A permanent policy that covers you for life and builds cash value over time.
- Death Benefit – The money paid to your beneficiaries when you pass away.
- Beneficiary – The person(s) or organization you choose to receive the death benefit.
- Cash Value – A savings component of whole life policies that grows over time and can be borrowed against.
- Rider – An optional add-on that provides extra benefits, like accelerated death benefits or waiver of premium.
- Living Benefits – Allows you to access part of your death benefit while still alive if diagnosed with a serious illness.
- Guaranteed Issue Policy – A no-medical-exam policy designed for those with health issues, though it may have higher premiums.