Life Insurance

Family Life Insurance
We at W. Bruce Beaton Company understand Life Insurance and what would work for you.
If you would like a proposal for life insurance feel free to contact our office. Our staff will enjoy talking with you to set up the program, if its term Insurance, whole life, or even our return of premium on your term Insurance. We will have the plan for you.

Consider us for your Estate planning. We have the staff that will be glad to sit with you and discuss your options and would work for you.

Please contact us and let us eliminate your worry.

Contact us to discuss the best coverage for your life insurance needs.

Term Life Insurance
Term life is designed to cover an individual for a designated period of time. Term life insurance provides premiums for 5, 10, 20, and 30 year periods with affordable premium rates. The premium rates on term life policies are adjustable by the insurance company based on your assessed risk. Term life insurance provides a death benefit, it does not offer a cash value.

Return of Premium
Return of Premium is a term life insurance program. At the end of the term, if there is no death benefit paid out the insured get their premium back.

Whole Life Insurance
Whole life insurance remains in effect for the remainder of your life and will accumulate cash values as well as offer level premiums to policyholders. Whole life should be considered a part of your long term financial strategy because it guarantees financial protection for you and your family. There are several types of whole life insurance policies – single premium, level premium, participating and non-participating whole life and more. Contact us for more information, we can help you decide which product suits your needs.

Universal Life Benefits Insurance
A universal life benefits insurance policy provides both a cash value and a death benefit for the policyholder. The premiums can be adjusted by you as your life insurance needs change. Contact us for more information and to help you decide if this product is the one best suited to your needs.