Life Insurance

Security for your family’s financial future.

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Life insurance throughout North Carolina.

Life is full of surprises. Prepare for the unexpected by providing financial security for your loved ones to ensure they’re protected if the worst happens.

Our insurance advisors will work with you to find the best coverage for you and your family. From life insurance to annuities, we offer a wide range of solutions to meet all of life’s changing moments.

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Which life insurance solution is right for your family?

Explore how having the right insurance can protect you from the unexpected.

Life

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.

Solution

Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

Individual Life Insurance

You can't put a dollar amount on your family, but you can ensure their future is protected. We can't predict when the unexpected will happen, but we can help you prepare for it when it does.

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Child Life Insurance

No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We'll talk you through the basics of a child life insurance policy to help you decide if it's right for your family.

Final Expense Insurance

Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for. We'll help guide you on the right choice for you and your family.

Mortgage Protection Insurance

When the worst happens, mortgage protection insurance protects the debt you owe on your home to help ease the financial burden of your loved ones. We'll help guide you on what makes sense for your family.

Annuities

Annuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.

Life Insurance FAQs

Life insurance can be a complex topic - there are many options and you may need some guidance along the way. We've addressed some of the most common questions we hear from our clients.

Chase Insurance Group, Inc offers comprehensive life insurance options.

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As an independent agency, we offer multiple options at competitive prices.

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