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Here at Valley Insurance Services, our team of experts are dedicated to providing you with all the resources you need to find a dental, vision, and life insurance plan that meets all of your needs. We want you to understand the importance of having these types of coverage so you stay protected with peace of mind!
Your oral and vision health are both extremely important for your overall health. Without proper dental coverage, you may miss out on necessary dentist appointments that will keep your teeth and gums in check. In fact, poor oral health can lead to other major health issues. With dental insurance, you’ll have every reason to ensure your teeth and gums are at their best!
Vision insurance is also important in ensuring your overall vision is a top priority! Missing out on annual appointments with your eye doctor can increase your risk of not detecting eye diseases. There are instances where you have developed an eye disease without having any apparent symptoms. If you have the proper vision coverage, you won’t have to miss out on these crucial appointments.
Life insurance is a great option to have for those unexpected events in life. These policies will provide your loved ones with financial security if they were to lose you, helping them cover any major costs and taking care of bills.
Take a look at the most common types of life insurance policies below:
Term life policies last for only a certain amount of years, typically 10, 20, or 30 years. If the policyholder passes within the term of the policy, the death benefit will be paid out to the policyholder’s beneficiaries. However, if the policy expires before the policyholder passes, the death benefit will not be paid out. The policyholder can then renew the policy for another term, let it expire, or convert it to a permanent life insurance policy.
Whole life policies are permanent policies, meaning they will stay active for the rest of your life as long as you pay the premiums. If you, the policyholder, pass away while still holding the policy, your beneficiaries will be paid the death benefit to cover any of your end-of-life expenses, and may use the remaining death benefit as they please. Unlike term life, whole life policies also build cash value, which can only be accessed by the policyholder.
Universal life policies are also permanent policies, similar to whole life insurance. However, unlike whole life, universal life lets you increase or decrease how much you pay towards your premiums. The amount decreased will be withdrawn from the policy’s cash value. Another important factor to note about these policies is that the cash value earns interest based on market performance. Universal policies also offer an adjustable death benefit.
Reach out to our insurance experts today to learn more about your dental, vision, and life insurance options!