Life Insurance

Drive with Confidence

Phil-Pro
Life Insurance

Our mission is to provide tailored insurance solutions with integrity, innovation, and a commitment to your peace of mind and security.

Do I need life insurance?

Just about everyone can benefit from some level of life insurance protection for their loved ones. You might be just starting out, raising a family, or preparing for your golden years—as long as you have loved ones you want to protect if you pass away, life insurance can help. The key is finding a policy that fits you. Whether you’re looking for a lot of coverage or just the basics, we have a policy for what you need.

Life insurance can help your loved ones:

• Cover the rising cost of funeral expenses
• Replace lost wages or the value of your time (e.g., stay-at-home spouse)
• Pay off debt
• Provide for a college education
• Leave an inheritance

Life insurance is especially important for people who have others depending on them financially.

This can include parents who have young children – if something were to happen to the parents, life insurance can help financially take care of the kids to help pay for things like education and everyday needs.

It's also important for couples who share financial responsibilities, like paying a mortgage or other loans.

If you have aging parents or other family members who depend on you, life insurance can help provide for them.

Even if you're single, life insurance can be useful if you have debts that you wouldn't want to pass on to your family. In short, if there are people who rely on you for financial support, having life insurance is a way to make sure they're taken care of if something unexpected happens to you.

And, if you’re a small business owner, life insurance can help you with succession planning and funding.

What you pay for life insurance is affected by a lot of factors. Some of those factors are related to you, others are related to the world around you.

Age: Generally, the younger you are when you buy your policy, the lower your premium will be.

Term vs. Permanent: Term policies are significantly less expensive than permanent plans.

Length of term: Term policies are available in 10- to 40-year term lengths.

Coverage amount: A policy with a larger death benefit amount will naturally cost more than a similar policy with a smaller benefit amount.

Health history: Things like your current health, health history and family medical history all shape your price.

Lifestyle: Smoking or high-risk hobbies often lead to higher premiums.

Expertise Matters

Transparent Solutions

Innovative Protection

Reliability and Trust

Auto Insurance

Homeowners Insurance

Condo Insurance

Umbrella Insurance

Commercial Auto Insurance

Life Insurance

Renters Insurance

Business Insurance