Life insurance is just that, insurance on your life.  What would happen to your family if anything were to happen to you?  The average funeral costs between $10,000-$15,000.  Do you have the money to cover final expenses if the worst happens?  Would they have money for the basic necessities while they got back on their feet?  What about current expenses and/or debts? Do you have a mortgage payment, car payment, student loans, credit card bills, or medical bills?

If you answered yes to any of these questions, then you may want to consider purchasing life insurance.  Life insurance is very flexible with coverage amounts and is fairly affordable depending on what you want.  Unlike medical insurance, life insurance can be purchased at any time, however medical questions may be required.  You can purchase anywhere from $5,000 to well over $1,000,000 of life insurance; it all depends on what fits your needs.  The most common forms of life insurance are term life, whole life, universal life, and return of premium. Age and coverage amounts have a positive relationship with premiums, meaning the higher the age/coverage, the higher the premium.

So how does life insurance work?  Each different type of life insurance has its own differences, however they all are based on the same concept: In the event of the policyholder‘s death, the beneficiary and/or contingent beneficiary of the policy would receive the covered amount.  This money can be used however the beneficiary(ies) see fit.

K.O.R. Insurance offers individual and group life insurance.  We are an independent insurance agency, which permits us to shop for you to find the best rates possible.  While many other agents consider their job done after the policy is active, we do not.  Rather, we feel that our job is just beginning.  We will service your policy for you, saving you the time,  headache, and emotional stress of dealing with claims.

What does this service cost you?  Apart from your insurance premium, nothing!  Using K.O.R. Insurance Services will not cost you any more than if you were to purchase the policy directly from the company.  What’s the catch?  There isn’t one, we get paid by the insurance company to represent you and your policy.  If you are considering buying insurance, please give us the pleasure of assisting you.  You have nothing to lose, and everything to gain!