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Houston TX Short Term Life Insurance

Houston, TX short term life insurance is a wonderful way to protect your family during uncertain times. Life is unpredictable. Whether it’s an unexpected illness or job loss, things happen that can make it difficult to keep up with your monthly bills.

That’s where short-term life insurance comes in. This type of policy can help you make ends meet if you find yourself in a tough spot. So, if you are looking for Houston, TX short term life insurance life insurance, then you can call us at Best Life Insurance Houston Agency to learn more.

Houston, TX short term life insurance

A Houston, TX short term life insurance is a great way to help stay covered when life feels unpredictable.

Houston, TX Short Term Life Insurance

Short-term life insurance is a type of life insurance that typically lasts about ten to fifteen years or less.  It provides coverage for a specific period of time. This form of coverage is ideal for people who find themselves unexpectedly unemployed or in need of extra money to cover basic living expenses.

Short-term life insurance usually pertains to fifteen years or less for coverage. However, we do offer term life policies that can last about thirty years.  For most people, the period of coverage is actually quite long. The typical period of coverage is five years, and the actual term can be up to 10 years.

Who is Short-Term Life Insurance For?

Short-Term life insurance is typically for covering gaps in between transition periods. There are a few instances that short-term policies would be perfect for.

The first example would be covering a short-term debt. If you have a debt you are currently trying to pay off, such as medical bills, credit cards, loans, etc., you might want to consider getting a policy to cover these debts if anything were to happen to you. This way, your family has the financial security to fall back on so that this debt can be taken care of.

Another example would be if you are ever in between jobs. Say you have a life insurance policy with your current job. If you leave that job, you are at risk of losing coverage. Depending on how long you are in between jobs, you may want to consider having temporary coverage until you find another job that can offer you coverage benefits.

Short-term policies are great for hazardous jobs. In fact, a life insurance period is important to have to work any hazardous jobs. Occupations such as the military, first responders, plants, oil refineries, and even delivery jobs can all have their risks. If you work where your health may be at risk, consider getting a short-term policy.

Finally, if you need to make some significant lifestyle and health changes, you may want to consider a short-term policy until you are ready for a long-term policy. Your health plays a large part in what type of policy you qualify for.

For instance, your height, weight, smoking status, and overall health will all be accounted for when searching for a policy. If you do not qualify for long-term policies, you may qualify for a short-term one until you are ready.

Houston, TX short term life insurance

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Best Life Insurance Houston Agency Can Help You

Best Life Insurance Houston Agency can get you the term life insurance you want. We will work with you to find the best policy for your needs and budget. We have been working with Houstonians for many years. Our goal is to provide coverage that is affordable so families can rest easy if the worst should happen.

When life becomes unpredictable, you want some type of financial security to ensure that your loved ones are taken care of. A life insurance policy is a great investment to secure your family’s financial stability in the worst of times. Whether you choose a term life policy, or a permanent one, Best Life Insurance Houston is here to help.

We offer many types of policies, as well as retirement plans to help secure your future. In today’s world, more and more people are trying to find ways to invest their money for security purposes. Too many people have lost everything due to the economy, the decline in health, and unforeseen circumstances.

The Difference Between Term Life and Permanent Life Insurance Policies

For those who are planning to take out a life insurance policy, it is important to understand the difference between term life and permanent life insurance. Both have their own set of pros and cons, so it is important to choose the right policy for your needs. Here is a brief overview of each type of policy to help you make the best decision.

Term life insurance policies are typically renewable, which means that the policy can be renewed each year. The policy will usually have a term of 10, 20, or 30 years. You can also have a much shorter term, such as five years, but will only provide benefits within that term. The premium for a term life insurance policy will typically be lower than a permanent life insurance policy.

Permanent life insurance policies are typically more expensive than term life insurance policies, but the policy will provide death benefits throughout your entire life, so long as you continue paying your premiums.

There are pros and cons to each type of policy, so it is important to choose the right policy for your needs. Overall, term life insurance policies are typically cheaper than permanent life insurance policies, however, there are no savings components. Permeant life issuance can also come with a savings component that you can use while you are still alive.

For more information on which policy is right for you, please give us a call.

Contact Us

If you’re looking for a short-term life insurance policy, there are a few things to keep in mind. We will help you decide what policy fits your criteria and your budget. If there ever comes a time when you need to update your policy, we will show you when and how to do so. Life is unpredictable. Do not leave your loved ones without financial security if the worst were to happen. Contact us today to find out more about our Houston, TX short term life insurance policies.

Houston, TX short term life insurance

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Fun Facts about Houston TX: 

  • There are four professional sports teams.
  • They have won several championships.
  • There are nine counties.

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