Life & Annuities

Life Insurance & Annuities Coverage

When it comes to planning for your future and the futures of your loved ones, having the right life insurance is crucial. Life insurance will assist you in keeping the promises you made to your family after you pass away. Don't leave your future and the lives of your loved ones to chance. Dave Holley Insurance can assist you in choosing the right insurance policy and ensuring that the policy continues to meet your needs. Our agency has teamed up with the best insurance companies to offer you the most extensive coverage and benefits while remaining within your budget. During the process of matching you with the right insurer, we do our utmost to ensure that we fully understand your objectives.

Life Insurance Policies

Term Life Insurance is the most straightforward form of life insurance. You buy insurance at a set price and for a set period of time. If you pass away during that period, your beneficiary receives the policy's benefit. There is no requirement to invest.

Whole Life Insurance is similar to term insurance, except it is purchased to protect your "whole life," not just a certain period of time. Premiums are fixed for the duration of the contract. The company invests at least a portion of your premiums. Some companies pay dividends to policyholders from investment profits. Many companies would offer "a reasonably low guaranteed rate of return," but in fact, pay more than the guarantee.

Disability Insurance covers a portion of your salary to help you pay the bills if you become too sick or injured to work. Disability affects a more significant number of people than you would expect. In reality, disabilities, such as heart disease and arthritis, cause more disabilities than injuries, and Workman's Compensation does not protect most disabilities.