AUTO * HOME * LIFE * BUSINESS In Harrison Ohio - Life Insurance - Harrison, OH
Rutherford - Insurance Agency
 
Life Insurance Products
 
We represent over 30 life insurance companies and carry a wide range of mortgage protection, life insurance, health insurance and disability products to suit a variety of budgets. We work with our clients to find the solution that is best for them.
 
 
With Mortgage Protection Insurance if you and your family have a mortgage to pay it may be a good idea for you to get a mortgage life insurance policy. 


 

Traditional Life insurance can help provide for the people who depend on you financially, if you can't be there for them. The money can be used for final expenses, help to replace your lost income, cover debts, pay your mortgage, fund a child's education, and more. Life insurance is purchased because of the love individuals have for their family.
 
 
 


There several types of life insurance policies available:
 
  • Term Insurance policies offers simple, affordable coverage for a set time period, typically 10 to 30 years.
  • Permanent Insurance (or sometimes called Whole Life)  provides coverage for your lifetime with the potential to build equity in the form of cash value and options for more flexibility.
 
Many people find have a combination of both types of life insurance to helps them meet both immediate needs and long-term goals.
 
  • Term Life Insurance - Is Affordable, simplified insurance for a specific time period.
  • Whole Life Insurance - Provided permanent insurance, fixed premiums, a guaranteed death benefit, and cash value growth.
  • Universal Life Insurance- Permanent insurance, which has flexibility the to change payments, premiums and death benefit options.
  • Variable Universal Life Insurance - Permanent insurance, which has  flexibility to change payments, premiums and death benefit. This insurance also allows you the option to make investment in return for a potentially higher cash value.
  • Survivor ship Life Insurance - Permanent insurance for two people, which provides a benefit to beneficiaries after the second person passes away.
  • Key Person Insurance - An employer may take out a key person insurance policy on the life of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. A key person can be anyone directly associated with the business whose loss can cause financial strain to the business. For example, the person could be a director of the company, a partner, a key sales person, key project manager, or someone with specific skills or knowledge which is especially valuable to the company.
 
 
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