Individual Life Insurance
Protecting Your Family's Financial Future in the Raleigh and Cary areas with Tailored Life Insurance Solutions
- Providing simple, straightforward, no-nonsense individual life insurance.
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Life insurance from Hess Insurance can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
For residents of the Raleigh and Cary areas, protecting your loved ones’ financial well-being is a top priority. At Hess Insurance, we understand the importance of having the right life insurance policy in place to ensure that your family is taken care of, no matter what the future may hold.
We offer a variety of life insurance policies tailored to meet your unique needs and circumstances. Our knowledgeable team will work closely with you to determine the type of policy that best suits your family’s financial goals and provides the optimal level of protection.
For those seeking affordable, high-coverage protection, term life insurance is an excellent choice. This type of policy provides coverage for a specific period, typically ranging from 5 to 30 years. If the insured passes away during the policy term, a death benefit is paid to the designated beneficiaries.
One of the key advantages of term life insurance is that premiums remain fixed throughout the selected policy term, making it easier for you to budget and plan for the future. While the policy does not accrue cash value and expires at the end of the term if the insured is still living, it offers the most substantial protection per premium dollar.
If flexibility is a top priority for you, universal life insurance may be the ideal solution. This type of policy allows you to adjust the amount and frequency of your premium payments, giving you greater control over your coverage.
Your premiums are allocated to the insurance component, the savings or investment element, and the expense portion. The interest earned on the investment portion of your policy is subject to change based on prevailing interest rates, with typical moves occurring in 1/4% increments.
For those seeking lifelong protection and a savings component, whole life insurance is a compelling option. This type of policy provides coverage from the date of issue until the insured’s death, as long as premiums are paid.
Whole life insurance premiums are fixed at the time of policy issue and remain level throughout the life of the policy. In addition to the insurance protection, whole life policies build cash value over time, which can be used for various living benefits, such as paying off a mortgage or funding a child’s education. If the policy is ever canceled, the policyholder may receive the cash surrender value.
At Hess Insurance, we understand that life insurance products are constantly evolving. That’s why our dedicated team stays up-to-date with the latest information and policies available to ensure that you have access to the best possible coverage for your needs.
