Life / Health Insurance
Life
Life insurance policies are designed with different needs in mind - temporary protection, estate planning, cash accumulation, etc. Your need for life insurance depends upon your personal and financial goals and needs. As your life changes, your life insurance coverage may need to change to properly address your current situation.
Hempkins Insurance will work with you to find a policy that will provide security and peace of mind. We offer a wide variety of insurance providers and coverages to provide what is right for you, now and in the future. Life insurance choices are practically endless. However, all varieties fall under two main categories:
- Term Life Insurance - provides only a death benefit. Term life insurance provides coverage for a specified period of time. The initial cost of term life insurance tends to be low and will increase over time as you age. These policies may also be converted to permanent life insurance.
- Permanent (Whole) Life Insurance - provides a cash value benefit in addition to a death benefit. Permanent (whole) life insurance can consist of a variety of coverages from fully-guaranteed premiums, values and death benefits to complete flexibility of premiums, interest rates, and death benefits options.
Hempkins Insurance is always available and welcomes the opportunity to discuss your coverage needs and options. For more information, please contact us.
Health
With healthcare costs rapidly increasing each year, it has never been more important to have health insurance. Whether you are looking for short-term health insurance or health insurance for a student, Hempkins Insurance can work with you to obtain the appropriate health insurance to protect you and your family from the financial hardship of unexpected illness and/or injury.
Hempkins Insurance is always available and welcomes the opportunity to discuss your coverage needs and options. For more information, please contact us.