Life Insurance in Ohio

Life insurance is more important than you may think. It gives you peace of mind when you are alive, and financial support to your beloved ones when you are gone. Life insurance is something that you should have if there is anyone who depends on you for everyday living expenses. It can make a huge difference for you and your family - both financially and emotionally. If you are an Ohio resident and you live in Parma, OH or any other surrounding town, here is the list of things about life insurance prepared by Capretta Insurance Agency that you should know:

• There are two types of life insurance to choose from - permanent insurance and term insurance. Permanent type is life insurance that lasts as long as you do and offers cash value. Term life insurance is different. It lasts only for a set period of time - in most cases, no longer than for 30 years. The term policy is more affordable than the permanent one.
• The cost of life insurance depends on numerous factors, including your gender, age, lifestyle, health, and even occupation. Regardless of your financial situation, you will be able to find an option that suits your budget.
• A standard life insurance policy contains certain circumstances that do not do payouts. They include suicide, engaging in risky activities (extreme and dangerous kinds of sport), pre-existing health conditions or smoking, engaging in illegal activities, committing fraud, and moving to another country.

Life insurance is a fundamental part of any financial plan. In contrast to many other types of insurance, it is pretty affordable, so there is no excuse not to get the coverage. If you are a resident of Ohio and you live in Parma, OH, or any other surrounding town, Capretta Insurance Agency will be happy to assist you and find a perfect insurance plan. Just give us a call to talk to one of our highly qualified insurance agents.