Life Insurance

Peace of Mind for You, Security for your Loved Ones

Prepare for the Unexpected

Why Life Insurance?

Life insurance is not about protecting yourself, it's about protecting your loved ones. A policy can provide financial protection for your beneficiaries in the event of your passing.

How much coverage do I need and what will it cost?

The personal and financial circumstances of each individual will determine the type of policy, how much coverage and for how long, and ultimately the cost of protection. Contact a Columbia River Insurance agent to help you navigate the process.   

When should I put a policy in place?

If someone else is depending on your income considering a Life Insurance policy is important. This might be a spouse or child but it might also be your business partner and employees if you run a business. 

 

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Consider Your Options

What is the best Life Insurance for me?  

Each type of life insurance is designed to meet different needs. The two main types of individual life insurance are Term and Permanent Life. The purpose of the coverage along with the duration of coverage and how much you want to pay will help determine which one may be the best fit.

Term Life: 

Term life is the simplest form but can be fast and affordable protection making it a great option for many. It provides a death benefit for a specified amount of time, typically between five and twenty years. Benefits are paid only if death occurs during the term of the policy. It's straightforward and costs less.

Whole / Permanent Life:

A Whole, or Permanent, Life policy (including Universal Life and Variable Life) is in force for your lifetime as long as you continue to make your premium payments. It costs more but can be a good option for anyone interested in insurance that accumulates cash value and doesn't end. Level premiums, strong guarantees, and  options.

 

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Please note, a request for information does not constitute the purchase of insurance. Coverage may not be added, changed, or bound as a result of submitting a request for information. Coverage is not bound or altered until confirmed by an authorized representative of Columbia River Insurance.