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G & G Independent Insurance

1450 E Zion Rd, Suite 6
Fayetteville, AR 72703

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Life Insurance

Finding an individual life insurance policy, that is appropriate for your needs can seem complicated. Depending on your personal, financial and family goals, the best plan for your situation may vary. Working with an independent agency like G & G Independent Insurance can help you identify the best plan for your particular situation.

Whole Life

A whole life policy is designed to address your concerns for an extended period of time. The policy does not expire, and it will continue to carry forward throughout your entire life as long as you pay the premium according to the contract.

The benefit of the plan is that you can invest a portion of your premium so that it is possible to meet financial goals. Furthermore, the insurer may allow you to take out a loan against the policy if you are facing a financial challenge.

Term Life

A term life policy has the primary benefit of being a low-cost option when compared to a whole life plan. The premium is usually less expensive, but it does not provide you the opportunity of investing or taking a loan against the policy in an emergency.

Downsides associated with a term policy are primarily related to the duration of the plan. It will only provide funds if you die within the time that is covered. When the term expires, you will need to find a new policy. This type of plan is usually best if you have young children or a limited budget.

Identifying the best plan for your family can seem challenging, especially when it is your first time looking for coverage. An independent agent from companies like G & G Independent Insurance can help by answering your questions and offering advice about the best plan based on your personal situation.