Life Insurance

Life insurance is one of the many policies provided by Ally Insurance Brokers of Omaha that will allow your dependents to cover any outstanding debts while also ensuring that everyday expenses, such as tuition, are taken care of when you are gone. If you are a Nebraska resident looking to get started on your life insurance journey, read on discovering the various options under this policy.

Whole Life Insurance

Whole life insurance refers to a permanent life policy that lasts throughout your life, allowing your beneficiaries to receive the death benefits once you die. Due to its accumulated value from premiums paid throughout your life, whole life insurance will allow your dependents to take care of their daily expenses, such as childcare costs.

Universal Life Insurance

Universal life insurance is the second policy that also lasts for your life. Unlike whole life insurance, universal life insurance comes with incremental death benefits for your beneficiaries due to its investment value based on the prevailing market rates. Based on your policy terms, you can also receive its benefits, but this will generally rely on previously agreed-upon terms.

Variable Life Insurance

Variable life insurance also falls under the permanent life insurance bracket, allowing you to accrue more benefits over time. Due to its variable nature, policyholders have the option to invest in coverages of their liking. This factor plays a role in how much death benefits your beneficiaries will receive.

Term Life Insurance

Term life is a straightforward coverage option that covers a policyholder for a specific period. Unlike some of the above-listed policies, term life insurance only pays your beneficiaries the death benefits when you pass away during the policy term. It, however, allows policyholders to convert it to whole term life insurance.

To find out more about ideal life insurance options and learn about how it benefits Nebraska residents, contact Ally Insurance Brokers of Omaha today. We will ensure that you will get the appropriate coverage for yourself and your loved ones.

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