Life Insurance

 All premiums paid are used to cover the cost of this insurance protection.  Because term insurance builds no cash value, some experts suggest that you buy term insurance and save the difference between the cost of term and permanent insurance.  They further suggest that you put the money saved in an investment which will usually earn a higher rate of return and interest than that guaranteed on the savings portion of permanent insurance.  According to these experts, if you do this, term insurance will be the best buy. 

A term policy can be 5 to 20+ years, but unless renewed, the insurance coverage ends when the term expires. Term life insurance is sometimes referred to as “temporary insurance coverage”. It is the least expensive coverage to acquire. For example:  A healthy 35 year-old (non-smoker) can usually obtain a 20-year level premium policy with a $250,000 face value, for as little as $15-$20 per month. Contact us today here in Spokane Valley, close to Liberty Lake, to discuss term life insurance with us.