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An Essential Guide to Understanding Life Insurance

Investing in a life policy coverage will help you and your loved ones.

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Although BRZ Insurance does not currently offer commercial life insurance, but instead, we hope to educate and assist our customers by connecting you to the most trusted life assurance advisors in and around the Greater Boston area. We understand that choosing a life policy can be overwhelming and daunting, so we decided to create a guide for our customers to better understand their options in choosing a life policy.

How life assurance can benefit you and your family

House and car insurance are often talked about, but life insurance is just as important. Investing in life insurance not only gives you peace of mind, but it also secures the well-being of your family. Let the BRZ team help you out by describing the positives you and your loved ones will reap by insuring your life. Check out this brief overview about life insurance by Life Happens, a non-profit that is dedicated to educating American families with insurance planning topics.

The 3 Most Common Types of Life Insurance Policies

There are three main types of life insurance: term, universal, and whole life insurance. Let’s figure out which one fits you and your loved ones best.

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  • Term Life Insurance

    Term life insurance refers to a fixed payments over a shorter period of time. This plan would allow you to save money by paying small fees during your most lucrative years.

  • Universal Life Insurance

    Universal life insurance is a little different because it covers your lifetime instead of just a certain time period. This plan relies on premium payments that cover insurance fees and your savings, but offers flexibility regarding your payments and savings portion.
  • Whole Life Insurance

    Whole life insurance is the most common policy. This plan also includes savings and cash value, but it differs from universal life insurance because whole life guarantees the increase of your cash value, as well as a fixed premium rate.

Learn more about Life Insurance today

Connect with the BRZ advisors and let’s get you on the path to peace of mind today and financial stability. We’ll connect you with a trusted life insurance advisor that will determine which policy best suits your situation and budget. 

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