{"id":190,"date":"2023-02-20T05:01:05","date_gmt":"2023-02-20T05:01:05","guid":{"rendered":"https:\/\/wordpress-941212-3271911.cloudwaysapps.com\/?page_id=190"},"modified":"2025-03-04T23:27:03","modified_gmt":"2025-03-04T23:27:03","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/ktayloragency.com\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section el_class=&#8221;default_padding about_section&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;about_section_row&#8221;][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_col-lg-7 vc_col-md-6 vc_col-xs-12&#8243; el_class=&#8221;about_section_row_col about_section_row_col_1&#8243;][vc_custom_heading text=&#8221;Protect What Matters Most!&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1676876881815{margin-bottom: 15px !important;}&#8221;][vc_column_text]Life insurance may be one of the most important purchases you&#8217;ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children&#8217;s education, protect your spouse&#8217;s retirement plans, and much more. If you&#8217;re considering securing you and your family\u2019s financial future, our life insurance agency in McKinney, TX would be happy to review your current situation and offer a few ideas on how you can protect it![\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_col-lg-5 vc_col-md-6 vc_col-xs-12&#8243; el_class=&#8221;about_section_row_col about_section_row_col_2&#8243;][vc_single_image image=&#8221;373&#8243; img_size=&#8221;full&#8221; alignment=&#8221;right&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section el_class=&#8221;default_padding_bottom&#8221;][vc_row][vc_column][vc_custom_heading text=&#8221;Types of Life Insurance:&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1678106867219{margin-bottom: 25px !important;}&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1682007872986{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221;]<\/p>\n<ul>\n<li><b>Term Insurance<\/b> is the most affordable type of insurance when initially purchased, and is designed to meet temporary needs. Our team in McKinney, TX offers term life insurance options that provide protection for a specific period of time (the \u201cterm\u201d) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. Our McKinney, TX life insurance agency has specialists who can find you the option that works perfectly for your situation.<\/li>\n<li><b>Final Expense Insurance<\/b> is an insurance policy used to pay for funeral services and a burial when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies.<\/li>\n<li><b>Universal Life Insurance<\/b> was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, our team in McKinney, TX can find you universal life insurance that allows the cash value of investments to grow at a variable rate that is adjusted monthly.<\/li>\n<li><b>Whole Life Insurance<\/b> is a life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against. As the most basic form of cash-value life insurance, whole life insurance from our McKinney, TX insurance agency is a way to accumulate wealth as regular premiums pay insurance costs and contribute to equity growth in a savings account where dividends or interest is allowed to build-up tax-deferred.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section el_class=&#8221;default_padding_bottom&#8221;][vc_row][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><a class=\"btn\" href=\"\/request-a-consult\/\">Request a No Cost Consultation<\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section el_class=&#8221;default_padding about_section&#8221;][vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;about_section_row&#8221;][vc_column width=&#8221;1\/2&#8243; offset=&#8221;vc_col-lg-7 vc_col-md-6 vc_col-xs-12&#8243; el_class=&#8221;about_section_row_col about_section_row_col_1&#8243;][vc_custom_heading text=&#8221;Protect What Matters Most!&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1676876881815{margin-bottom: 15px !important;}&#8221;][vc_column_text]Life insurance may be one of the most important purchases you&#8217;ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-190","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Texas Life Insurance Agency: Term, Universal, Full &amp; Whole Life<\/title>\n<meta name=\"description\" content=\"Taylor Insurance Agency is a life insurance broker in Texas. 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