Built on a foundation of Hometown Roots, Hometown Life Insurance seeks to understand the needs of clients, providing trusted advice. Through digital advancements, Hometown Life Insurance provides exceptional service within a simple online insurance quote process. Our team has a great depth of knowledge and experience in providing clients with tailored insurance plans and trusted advice.
Life insurance provides financial security to your loved ones upon your death. At an already challenging time, life insurance can be the difference between your loved ones making huge sacrifices for life or having the financial support to move forward
Life insurance is critical if you have loved ones that rely on you for financial support. You may even need life insurance if you expect that to happen in the future!
The amount of life insurance that you need will depend on your own personal circumstances. Check out our life insurance calculator or contact our team of licensed professionals to find the right level of coverage for you.
Although mortgage insurance is quite common, there are a number of downfalls when compared to term life insurance. It is common for clients to save money, have more flexibility in coverage and lock in rates for longer when they switch to term life insurance. With mortgage insurance, your coverage will also decrease over time as you pay down your mortgage and yet your premiums may stay the same or increase. Getting a term life insurance quote is the best thing you can do for you and your family.
The main types of life insurance coverages are term life insurance and permanent life insurance. Term policies will cover you for a set period of time (i.e. 10, 20, 30 years), while permanent (whole life) policies will provide you with coverage for your entire lifetime.