Whole Life Insurance in Houston, TX at Kaia Insurance Group

Kaia Insurance Group is a Houston Insurance Agency Offering Life Insurance and Personalized Consultations

Everyone needs life insurance, at least in some form. The costs associated with someone’s unexpected passing can be difficult for any family, and life insurance offers protection and financial support to help your loved ones while they grieve.

But there are many different life insurance products to choose from, each with their own strengths. Here at Kaia Insurance Group in Houston, we help you make the right choices with your life insurance and connect you to policies and premiums that fit your short and long term financial goals. If you’re ready to get started, please contact us today via our online form or call 512-354-7599.

What is Whole Life Insurance?

The most common form of life insurance is known as “Term Life Insurance.” With term life insurance, you pay for life insurance over a specific period of time – for example, 20 years – after which the insurance expires and you will need to obtain a new policy. When you’re younger, term life insurance is often very inexpensive, but as you get older, the price increases due to the risks associated with age.

Whole life insurance is life insurance that lasts for your entire life. The premium never changes, and as long as you pay the premiums, the payout is guaranteed. Whole life insurance also comes in many forms (in fact, there are over 10 variations of whole life insurance to choose form), but can be essentially simplified to:

  • Standard Whole Life – You pay a premium for the rest of your life, but your payout is guaranteed.
  • Limited Pay – You pay a premium for a set period of time, like 20 years, after which your payout is guaranteed and you no longer need to pay the premium.
  • Paid Up – You pay one lump sum in the beginning and you obtain life insurance that lasts for a lifetime. This is less common, but offers significant discounts.

Within these whole life insurance options are other potential benefits to the residents of Houston, such as dividends, indexed whole life, joint plans, and more, but in all of these life insurance types, your insurance is guaranteed as long as you make the required premium payments.

Why Choose Whole Life Insurance?

Term life insurance is a great option for those that want to make sure their family is well supported in the event something happens to them. With costs continually rising in Houston, and throughout Texas, knowing your family is protected with a larger amount can provide peace of mind, all with a lower premium.

But in the long term, if you continue to renew term life insurance, your costs will continue to rise dramatically in a way that can be difficult on a fixed income.

Whole life insurance offers an alternative solution, allowing you to maintain the same costs over the course of your life. It is an especially useful option for those that are younger as well, because the premium payment tends to be lower. Many people also combine both, using term to ensure their family is better protected while their children are young, and then allowing the term to expire and know that their whole life will keep their family protected in the future.

Talk to Kaia Insurance Group Today About Whole Life Policies

Whole life insurance is one of many possible life insurance products, with other options including universal, term, and more. Even if you’re familiar with life insurance, navigating these different products can be difficult without help. Let’s make sure that you have the protect you and your family need, with no pressure and no excessive sales tactics. Contact us today to start a conversation, or learn more about all your life insurance options.

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