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Home > Products > Life Insurance - Idaho Falls ID & Island Park ID

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form

Life Insurance Information

 

The Falls Insurance Center knows that talking about death can be difficult. We also know that it’s a necessary conversation to have if you have loved ones to take care of, even after your passing. Getting a life insurance policy can help you plan for the financial future of your loved ones following your death. Talk to the team at Falls Insurance Center to learn more about life insurance and how it can help you.  

What Is Life Insurance? 

Life insurance is a guarantee that your loved ones will be financially cared for when you aren’t there to do so. A life insurance policy guarantees that a sum of money, or death benefit, will be provided to a surviving beneficiary upon your death. The money you designate varies depending on the policy you have and the amount of coverage you choose, but the settlement can help your family stay afloat and give them the opportunity to recover from your loss. They might use the money to pay off debts, cover a mortgage, fund a child’s education or meet any number of other obligations. 

What Is Whole Life Insurance vs. Term Life Insurance?  

There are two primary types of life insurance:  

Term Life Insurance
—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.  

Whole Life Insurance—Whole life policies last for the remainder of your life once you enroll. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities. The cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).  

Several more specific policies also exist. Speak to one of our agents to learn more about which type of policy is best for your needs.  

How Much Does Life Insurance Cost?  

Depending on aspects such as age, income and chosen coverage, your life insurance premium can vary. A common concern is that people worry about the affordability of life insurance, whether it’s because they have a pre-existing health condition or face other risk factors. Our agency considers this when working with you, and we can ensure we will work with you to find adequate coverage.  

How To Get Life Insurance 

Contact us to learn more about life insurance or request a free quote now.  

  

 

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We are required to make visible to you the below quotation as directed by Medicare to all agents working with Medicare Advantage and Special Needs plans

Disclaimer – We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.  Please be advised that our agents can walk you through a thorough process of reviewing your options and advising you on coverage that will meet your needs without our divulging your information or exposing you to unwanted future solicitation.  Please be careful in your research there are many scams online or over the phone that may affect you.



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885 S. Holmes Ave. | Idaho Falls, ID 83401
P: 208-523-7100 | F: 208-529-0168
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