Term life
Coverage for a set period of time, such as a number of years. It is often used to cover years when your family depends on your income or when you have a mortgage or other debts.
What it covers
What life coverage can include
Life insurance pays a death benefit to the people you name if you pass away while the policy is in force. Different types of policies work in different ways. Coverage options vary by policy and carrier.
Permanent life
Coverage designed to last for your lifetime as long as the policy stays in force, and some types build cash value. Whole life and universal life are examples.
Beneficiaries
You choose who receives the benefit. Keeping beneficiaries up to date after major life events is an important step.
Mortgage and debt protection
Many people use life insurance to help their family keep the home and pay off debts if they are no longer there.
Income replacement
A death benefit can help a family replace lost income for a period of time while they adjust.
Optional riders
Depending on the policy and carrier, optional riders may add features such as accelerated benefits. Ask what is available.
Who needs it
Who should consider life insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Parents and guardians
If children or a spouse depend on your income, life insurance can help protect their future.
Homeowners with a mortgage
A policy can help your family keep the home if your income is gone.
Business owners and partners
Life insurance is sometimes used to help a business continue or to protect partners.
Anyone planning for final expenses
Funeral and end-of-life costs can fall on family. A policy can help prepare for them.
Local agency
Life insurance in Florence, Boone County and Northern Kentucky
Families across Florence, Boone County and Northern Kentucky are busy balancing work, kids, mortgages and everything in between. Life insurance is one of the few ways to put a plan in place now for the people you love.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. We can look at your life coverage next to your auto, home and other policies so your overall plan fits together.
Be prepared
Steps to get started
Think about who depends on you
Spouse, children, aging parents or a business partner. This helps decide how much coverage to consider.
List your major obligations
Mortgage, car loans, other debts and future costs such as education.
Decide how long you need coverage
Until the kids are grown, until the mortgage is paid or for life.
Prepare for underwriting
Carriers consider age, health and other factors. Some policies involve a medical exam and others do not, depending on the product.
FAQ
Common questions
What is the difference between term and permanent life insurance?
Term life covers you for a specific period. Permanent life is designed to last your lifetime and some types build cash value. Which fits depends on your goals. We will go over how each works.
How much life insurance do I need?
It depends on your income, debts, family and future goals. A common approach is to add up what your family would need to cover, such as income, debts and education costs. We will walk through it with you.
Do I need a medical exam?
Some policies require one and others do not. Availability depends on the carrier, the product and your circumstances.
Can I buy life insurance if I have health conditions?
Often yes, though the available options and terms can differ. We will help you understand what is available and explain what the carrier considers.
Do you write life insurance in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Homeowners insurance · Auto insurance · Umbrella insurance · Small business insurance · Renters insurance · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a life quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.