Life Insurance Services in Aubrey, TX
For many folks, wondering how our loved ones will support themselves after we pass is a concern that keeps us up at night. It can be stressful to consider whether our family will be able to manage financially in the event that we pass. Thankfully, life insurance policies can take some of the uncertainty and anxiety off the table about how our family will fare financially after our death.
Protect Your Home
When you talk to our life insurance agents at Kiesling Insurance Agency in Aubrey, Texas, you’ll be able to go over the different types of life insurance policies we offer, what they cover, and which policies might be most suitable for your unique needs.
While life insurance is a broad term that is frequently misunderstood, life insurance policies tend to have two different types. The two aspects of life insurance policies involve coverage surrounding the cause of death of the policy holder and the expenses that are paid on the beneficiary’s behalf. Although every life insurance policy is different, life insurance policies tend to have similar characteristics.
Life Insurance Coverage
Despite the fact that life insurance policies as a whole may differ, most individual life insurance policies cover the majority of causes of death. As long as the life insurance policy is active at the time of passing, life insurance policies will cover death from natural causes such as reaching an old age, experiencing a fatal medical emergency like an aneurysm, or dying from a terminal disease such as cancer. Additionally, life insurance policies will cover deaths from accidents such as car accidents, fall accidents, and unintended prescription medicine overdoses.
Life Insurance Suicide Coverage
What’s more, many life insurance policies will provide coverage of death through suicide as long as the policy’s two-year suicide clause has passed. In the event of a homicide, a life insurance policy should also cover this situation as long as the beneficiary has not had any role or involvement in the homicide. In the event of war or terrorism, many policies will provide coverage for this type of death in life insurance as long as the situation meets specific criteria.ge can be devastating financially. Disasters, robberies, or accidents can happen to anyone and any home. Because this is the case, it’s important to get your house covered with home insurance as soon as you get the keys to your new home in your hands–perhaps even sooner if possible.
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In general, though, life insurance policies do vary and it is important that you look at your specific policy to see what it covers. Your insurance agent will be happy to help walk you through choosing a policy, exploring options, and explaining the exclusions that may apply to certain aspects of the policy.