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Among all that is precious to you, nothing can compare to your family. That's why life insurance is so important — it protects your family against an uncertain future.
Life insurance can be quite complicated, with many options in coverage, premiums, and investment value. At Kerrigan & O’Malley Insurance, we'll help you evaluate the needs of your family, weigh alternatives, and make smart decisions. And we'll be there with you as time passes, always ready to explain alternatives as the needs of your family evolve.
We also offer disability insurance that protects you and your family should your ability to work be compromised by illness or injury. Our health insurance plans provide flexible medical coverage for you and your family.
Coverage
Term Life
Term life insurance is the most basic form of life insurance. It usually provides affordable protection, often with a guaranteed premium, for some period of time. If the insured should die while the policy is in force, the face amount is paid to the named beneficiary.
Whole Life
Whole life insurance protects you for your whole life, from the day you purchase the policy until you die, as long as premiums are paid. It is sometimes called permanent insurance. These policies can serve as investments, with cash values that grow tax-deferred at competitive interest rates.
Universal Life
Universal life insurance allows flexibility in the amount of protection that best suits your family — coverage can increase or decrease as your needs change. You can also control the amount and frequency of premiums. These policies can grow in value, all on a tax-deferred basis. |
Life Insurance protects your family against an uncertain future. We look forward to discussing the financial needs of your family and options for meeting those needs. The insurance professionals at our agency can help you with any of your insurance questions or needs. Contact us today by email or by calling 978 365-2302.
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