TWG is dedicated to helping you find the best life insurance policy while saving you as much money as possible! How do we do that? Simply put, our technology and relationships are what enable us to pass the lucrative savings onto you.
Life insurance companies are always calculating and updating rates based on the changing demographics of the US population. TWG is connected to the databases of all leading carriers to help you find the best deal while using the most up-to-date rates.
As you are shopping around, there are certain questions that you should ask yourself. The best one to start with is: How much coverage do I need? To give you an idea, most people opt for a Term Policy with an average of $250,000 in coverage. Why this amount or any amount? The answer is that it all depends on how much debt you would need to payoff and how much income you would need to replace in the event you are no longer around to provide for your loved ones.
Another question to ask yourself, or one of our several qualified agents TWG will connect you with, is how long you want to be covered and whether an investment component in your policy is right for you. Unlike a term policy, which as the name suggests, has rates and coverage based on a set term or number of years, a Permanent Policy does not expire. Typically, Whole Life, the most common type of permanent insurance, not only serves to pay-out beneficiaries upon your passing, but also has a current cash value that can be borrowed against or cashed-out at any time.
Essentially, permanent policies are vehicles and can grow in value whereas term policies do not. The catch is that they often come with higher premiums. You can learn more about life insurance and policy types by clicking on the icons below.
With flexible policy options, plus the best rates and coverage, don’t wait any longer. Secure your coverage now with TWG and get back to living your life with those who matter most!