North Carolina Life Insurance

Create a Lifeline that will Last a Lifetime

Have you chosen life insurance that meets your family’s long term financial needs? Have your life circumstances changed since you last reviewed your life insurance options? Do you understand how life insurance can help you?  First Pioneer Insurance Agency can help you choose the right life insurance policy to protect your family and their future financial security.  Life insurance will help you with:

  • Mortgage or rent payments
  • Provide income
  • Funeral, future living or education expenses
  • Debt from credit cards, vehicles, etc.
  • Paying Estate and Inheritance taxes and other associated costs
  • Business continuation

Term Life: More Protection for a Lower Premium

Term Life Insurance provides basic financial protection for a specified period of time: 10, 20 or 30 years. You can make the most of your life insurance premium by using this type of policy to protect your family for the term of a home mortgage, or until a child reaches financial independence.  Term life is one of the least expensive ways to purchase life insurance and offers premiums that stay level for the term of the policy. There are several options to consider when purchasing Term Life Insurance including options to convert to a Permanent Life policy.

Permanent Life: Features During Your Lifetime

Along with paying a guaranteed death benefit to your beneficiaries, Permanent Life policies may offer the potential for tax-deferred growth, ability to make withdrawals or loans and substantial tax benefits. There are several forms of Permanent Life Insurance to suit different goals, financial circumstances and levels of risk tolerance:

  • Whole Life: Premiums remain the same over the life of the policy.
    • Guaranteed cash value accumulation for conservative appetites
    • Potential for excess interest credits
  • Universal Life: Guaranteed death benefit if certain premium levels are met, tax advantages and a provision for loans and partial withdrawals.
    • Flexible features which adapt to financial markets and personal circumstances
    • Cash value grows at quarterly interest rates

Your North Carolina Life Insurance Specialists

At First Pioneer Insurance, we understand the value of protecting your family and the contentment of the resulting peace of mind. Knowing that your family is financially secure is a goal we can help you attain. Regardless of the policy type that suits you, we can help by showing you options for today and tomorrow.