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ATTENTION

THIS OFFICE MAY BE CLOSED TUESDAY, SEPTEMEBER 3, 2019 DUE TO HURRICANE DORIAN AND THE SAFETY OF OUR EMPLOYEES.

 

IF YOU HAVE A CLAIM, DO NOT KNOW YOUR CARRIER NAME AND HAVE INTERNET ACCESS, YOU CAN GO TO WWW.FLOIR.COM/COMPANYSEARCH AND LOOK UP YOUR INSURANCE CARRIER’S CLAIM PHONE NUMBER.

 

PLEASE REMEMBER – SAFETY FIRST!!

DO WHAT IS NEEDED TO PREVENT ANY FURTHER DAMAGE TO YOUR PROPERTY AND KEEP ALL YOUR RECEIPTS

WE WILL OPEN MOST LIKELY WEDNESDAY IF THE WEATHER ALLOWS

 

THANK YOU – CARLOCK AND ASSOCIATES INS INC.

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.