Life Insurance

Make sure your family is taken care of—even after you are gone.

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A life insurance policy through The Vlasak Group can provide your family peace of mind and security

Like most Texans, you have a strong sense of family. You have a desire to be there and always do what you can for your loved ones. However, a time will come when you will no longer be here. A life insurance policy can offer protection and support for your loved ones when you are no longer present.

The Vlasak Group offers Texans like you various life insurance options, ranging from straightforward life insurance to policies that will allow you to access benefits that can be used during your lifetime.

Contact The Vlasak Group today or click here to start a life insurance quote.

What is life insurance and do I need it?

In short, life insurance is a policy that pays beneficiaries such as your family a death benefit upon your passing. They will be able to use it as they see fit in what will be a difficult time. Many Texans get life insurance policies after experiencing major events such as marriage, child expectancy, or the purchase of a new home.

If you are someone that has others that depend on you for financial support, you most likely need a life insurance policy. Life insurance policies provide you peace of mind while you are alive, and security for your loved ones when you are gone.

What are the types of life insurance and what’s best for me?

There are various types of life insurance policies, but they generally fit into three categories: term life insurance, whole life insurance, and universal life insurance. The right policy for you and your loved ones will depend on which life insurance policy best aligns with your goals.

Term life insurance is a straightforward insurance policy that provides a death benefit for a fixed amount of time, typically 10 to 20 years. Many Texans start off with term life insurance and depending on the policy, can be converted to a longer-term policy at a later point if your life changes and additional protection is needed.

Whole life insurance is a long-term life insurance policy that provides permanent protection. A wealth-building policy, this is a versatile life insurance option that grows with you, accumulating cash value. Premiums, which are lower the earlier you start, do not increase and a death benefit is guaranteed. Whole life insurance also offers additional benefits such as access to accumulated funds, tax advantages, and dividend payouts.

Universal life insurance could be best described as a hybrid between term life and whole life insurance. These types of policies have adjustable premiums and term coverage, offering you the power of choice as well as the flexibility to adjust your policy to reflect certain life changes. Regardless, you will still be able to provide your loved ones peace of mind and security.

How do I find a life insurance policy that is right for me?

The first step is contacting The Vlasak Group. The Vlasak Group will listen to your wants, needs, and goals, and help you decide on a policy that is right for you. The next step is completing an application, which will be reviewed by the underwriting insurance company. A medical exam may or may not be necessary, depending on the life insurance policy you select. Your premium will be determined by various factors including:

  • The life insurance plan chosen
  • The requested amount of insurance
  • Age, gender, and other risk considerations
  • Personal health and medical history
  • Occupation

Contact The Vlasak Group today or click here to start a life insurance quote.