Life Insurance Las Vegas, NV
Are you looking for Life Insurance? Do you live in Vegas? Whether you are looking for Term Life, Whole Life, Universal Life or Indexed Life Insurance, Balsiger Insurance can help you find the best company for your needs!
Information on Life insurance:
Deciding on whether or not you need life insurance can be just plain complicated. It is dependent on so many things… How much money do you make? Do you have a family? Do you have people who rely on your income? Do you own a business? And many more questions…
I’m sure you have been bombarded with advertisements and all sorts of information on the best life insurance companies, but Balsiger Insurance only works with top-rated companies for your life insurance needs.
We are an independent insurance agency in Nevada. This means that we help you “shop” leading insurance companies to get specialized coverage that will save you the hassle of calling to get multiple quotes. We can help you find low cost and cheap life insurance too!
Life Insurance Office:
Our insurance agency in Las Vegas is conveniently located at:
3481 East Sunset Rd, Ste 100 Las Vegas, NV 89120 Phone: 702-220-8640What is Term Life Insurance?
Term life insurance is coverage where you pay a fixed amount of money for a fixed amount of time. This is known as the relevant term, often 10, 15, 20, or 30 years… Some people choose to have the fixed period until their retirement; the idea is that they will have sufficient savings at that point in their lives. After the relevant term, life insurance coverage either stops or you pay a different amount of money. Term coverage is different, when compared to whole and universal coverages.
What is Whole Life Insurance?
Whole life insurance is coverage for your entire lifetime. It comes with a cash value and is generally guaranteed.
What is Universal Life Insurance?
Universal life insurance is a type of whole life insurance coverage. Your coverage or premium is generally not guaranteed.
If you live in Southern Nevada and are interested in learning more about life insurance, then give us a call at 702-220-8640, or request a phone consultation. Click the link below to receive a life insurance quote:
More information….
IMPORTANT
You have to read this if you purchased TERM LIFE INSURANCE in the last 10 years!!
If you are like many of your neighbors that purchased term life insurance over three years ago and feel that you are comfortably locked into the best rate available for you (maybe you have 7, 12 or more years left on the price guarantee)……think again!
Term rates have been trending even lower! As our life expectancy is extended with new medical technology the insurance companies are able to offer lower cost term insurance.
Best of all it doesn’t cost anything other than the time to go through the application process to see what you might be missing.
For example, if you purchased a 20 year term policy 5 years ago for $500,000 of coverage and the rate was $60 per month you would have 15 years left before the coverage either terminates or goes through the roof (when it converts to annual renewable term pricing-meaning it also goes up every year and your $60 per month will become $500 plus per month!). A brand new 20 year term policy for the same $500,000 of coverage at your current age might be available for around $50 per month. What this accomplishes for you in addition to the lower cost is an extra 5 years of coverage at the lower price guaranteed!
Balsiger Insurance had a client that had term with a major insurance company-$2,000,000 of coverage…….we were able to increase coverage to $3,000,000 with an extra 5 years at virtually the same price!
This is a perfect time to sit down with one of our professionals to review your current coverage and to evaluate your current needs. We have access to over 20 top life insurance companies to make sure you get the product that suits you!
CURRENT POLICY
$500,000 of coverage
Price lock 20 years
$60 per month
Purchased in 2008
14 years left before premium increases
NEW POLICY
$500,000 coverage
Fresh 20 year price lock
$50 per month
Purchased 2014
20 years before premium increases
Do you need a life insurance agency in Las Vegas? There are different types of coverages, make sure you know exactly what you need. There are also many life insurance companies, I’m sure you have seen all of the T.V. commercials…Do you want to work with a trained professional who can walk you through all the different types of life insurance coverages: term, whole, universal? If so, let us help you find the best term life insurance rates.
How much coverage do you need? That is dependent on the future, your family, your income, and more. We can walk you through everything you need to know. Simply give us a call at (702) 220-8640. We represent leading life insurance companies, so you don’t have to worry about working with only one company.