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Life Insurance Information

Term Life Insurance - Whole Life Insurance - Variable Life Insurance


Koda Insurance Group in Abilene,Texas

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term Insurance

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of life insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Whole or Variable Life Insurance is Permanent Insurance

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the appropriate amount and type of life insurance that makes sense for your particular situation is to meet with our qualified and licensed life insurance professionals.  We also have a Certified Financial Planner in Brendan Messenger for an even more in depth look at your retirement and estate planning needs.


Customers from many places:
Abilene, Clyde, Cisco, Eastland, Anson, Stamford, Trent, Merkel, San Angelo, Coleman, Santa Anna, Ballinger, Austin, Dayton, Crosby, Granbury, Stephenville, Albany, Breckenridge, Brownwood, Ballinger, Cross Plains, Snyder, Big Springs 
and many other areas.

Thank you for your interest in the
Koda Insurance Group. To begin your quote process, use our quick and easy quote forms above. If you would like to speak to an insurance professional, feel free to call our office at 325-695-9999 or email your questions and an agent will reply promptly.


HELPFUL LINKS: Home Policy Changes Get A Quote Blog Contact Us 4400 Buffalo Gap Rd
Suite 2600
Abilene, TX 79606

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