Life Insurance

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What you need to know about life insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone.

Don’t leave the future of you and your loved ones to chance. The Held Insurance Agency can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

We know you can’t put a dollar amount on your family, but you can ensure their future is protected. And though costs are a real concern for most people considering life insurance, it never costs as much as you think.

Contact Us to learn more today!

It happens more often than you think…

After running multiple tests, doctors conclude you have an incurable medical condition that may affect the length of life you have remaining.

A million thoughts race through your head. You’re unsure of what to do or whom to call. Your first priority is your family and who will look after their well-being when you’re gone. You might be asking yourself:

  • How will your spouse stay afloat with all the debt accrued?
  • Who will save for your children’s college fund?
  • Where will your family be without you?

Or will you be thinking instead of how you will choose to spend whatever time you have left secure in the fact you have a precisely calculated policy to cover your debt and funeral costs?

Recognizing everyone’s situation is unique, which means there are two types of life insurance policies to choose from:

  1. Term life policies are set up to cover you for a specific period of time
  2. Whole life or Universal life insurance covers the insured for the course of their life

No matter the situation, it is important to know what type of policy best suits your needs, the amount of coverage desired, and most importantly, who the beneficiary will be.

One of the helpful agents at Held Insurance Agency can help you learn more about purchasing a life insurance policy. Having peace of mind knowing that when you leave this world, your family won’t be burdened with your financial hardships.

Life changes - so should your policy

The right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change to adapt to your current needs. Some life transformations that may require a policy “tune-up” and our help at Held Insurance Agency include: 

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate
  • You don't want to burden your family with your final expense

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your life.

Contact us today, and we'll help you protect what matters most. It’s Insurance Simplified to get Life insurance quotes when you work with Held Insurance Agency. Our office is located in Mount Prospect, Illinois. Serving all of Illinois and Wisconsin.