Posts Tagged: Life Insurance

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What are the different types of life insurance?

Anyone looking to obtain life insurance should understand not only the fact that there are different types of policies available, but know what each policy offers. The type of life insurance one obtains is really dependent on their age, and how much premium they are willing to pay. Term Life This is often the most popular policy because it is usually the most affordable. Policyholders select a specific term for their policy and the policy does not accrue a cash value. Those under the age of 40 should think about this policy. Whole Life The premium for this policy remains the same for the duration of the policy. A cash value also accrues though control of its investment is not controlled by the policyholder. This is more expensive than term life. Variable Life The most expensive policy, variable life allows policyholders to choose where the cash value is invested. What you gain is determined by ... Read more

About Thomas Agers

Agers Insurance is an independent full-service insurance brokerage based in Oakley, California. Established in 1990, Agers Insurance specializes in personal lines of insurance including preferred auto, home, fire, dwelling, recreational vehicles, personal watercraft, ATVs and motorcycles. The agency also offers life insurance, commercial liability, flood and earthquake insurance and other types of non-standard insurance policies. Agers Insurance Services currently represents a wide variety of companies in Oakley and surrounding communities. Agers Insurance is owned and managed by Thomas Agers, a seasoned professional with over 33 years of experience in the insurance business. A graduate in History and Political Science from the University of Montana-Missoula, Tom is a veteran of both Vietnam and Desert Storm. He served four years on active duty and spent 22 years in the Naval Reserve before retiring from service in 1993 as Lieutenant Commander. Tom’s efforts during and after the Loma Prieta Earthquake in San Francisco ... Read more