Life Insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

family looking at sunsetDon’t leave the future of you and your loved ones to chance. Charles Garland & Harris can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

Did you know???

For each of our neighbors, the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” and our help at Charles Garland & Harris include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

 What you need to know about life insurance 

There are several different types of life insurance products available – the most common include:

Term Life Insurance

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

Universal Life Insurance

Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

So what type of life insurance is best for you? Talk with the team at Charles Garland and Harris today at: 575-437-6910 and we can assist in identifying the best protection for you.

To help guide you through purchasing life insurance call Cesar Acosta or Bruce Foster at Charles Garland & Harris

Cesar Acosta
Group And Individual Health And Life Insurance
Cesar@Cgh-Insurance.com
575-437-6910 Ext 106

Bruce Foster, CIC
Insurance Agent
bfoster@cressinsurance.com
Voice (505) 938-2437
Fax (575) 437-8187

3310 N. White Sands Blvd
Alamogordo, NM 88310
Monday- Friday 9am-5pm

We have everything you need all under one roof, the Red Roof.