Life Insurance: Term Life, Whole Life, and More

Individual Life Insurance in Charles Town, Inwood, & Kearneysville, WV

Jones Insurance Agency provides the reassurance you and your loved ones need with individual life insurance. Our offices in Charles Town, Inwood, and Kearneysville, West Virginia offer clients the ability to purchase the type of life insurance that meets your needs. Contact Jones Insurance Agency to discuss the coverage you need for yourself and every member of your family. Call us today for a free quote: (304) 605-2032.

Coverage from Unexpected Funeral Costs and Lost Income

Individuals and family members can obtain life insurance through the local Jones Insurance Agency office to cover your household obligations. In the event of an untimely death, your beneficiaries can use your life insurance policy to pay for a number of necessary commitments. Your beneficiaries can use your life insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

Life Insurance Offers Reassurance for You and Your Loved Ones

Jones Insurance Agency provides life insurance to individuals in Charles Town, Inwood, Kearneysville, Martinsburg, Winchester, Shepherdstown, and surrounding areas. Our offices serve both residential and business clients in West Virginia, Virginia, and Maryland.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, life insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Life Insurance Factors and Types to Consider

Jones Insurance Agency knows that choosing a life insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process to provide you with the best insurance solution to give you and your family the reassurance they deserve. Some of the different life insurance coverage options for your consideration include term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. Term life is a benefit policy used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution, such as whole life or universal life insurance. There are two types of term life insurance:
  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Trust Jones Insurance Agency for Life Insurance

An insurance specialist with Jones Insurance Agency will review your current life insurance situation and help you design a policy to plan for the future.  At the end of the day, one of the biggest investments you can make is an investment in yourself.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Take special care to ensure the life insurance you buy is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health, and age. There are additional charges for riders that customize a policy to fit your individual needs, so be sure to review any special needs with the trusted agents from Jones Insurance Agency.

Call Jones Insurance Agency today for a free quote: (304) 605-2032

Life Insurance from Jones Insurance Agency, Serving:

Berkeley County, WV
Martinsburg, WV
Inwood, WV
Hedgesville, WV
Falling Waters, WV
Bunker Hill, WV

Jefferson County, WV
Charles Town, WV
Shepherdstown, WV
Kearneysville, WV
Ranson, WV
Harpers Ferry, WV

Frederick County, VA
Winchester, VA
Cross Junction, VA
Stephens City, VA

Clarke County, VA
Berryville, VA
Boyce, VA
White Post, VA

Frederick County, MD
Frederick, MD
Thurmont, MD
Brunswick, MD

Washington County, MD
Hagerstown, MD
Williamsport, MD
Boonsboro, MD
Smithsburg, MD

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