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Aptus Insurance is dedicated to providing you with a life insurance policy that fits your needs at an affordable rate. We specialize in finding our clients customized packages that are built to fit their needs and lifestyle. With Aptus Insurance, you can rest assured that you are protected by a life insurance plan that works for you day and night. To get started, browse the information on our various plans below and then fill out the form to get started customizing a plan that is perfect for you.
Term Life Insurance
If you're searching for the most affordable type of life insurance, you probably want to look into a Term Life Insurance policy. With a Term Life Insurance policy, you pay a fix rate over a certain amount of time. If you pass away during this time, the insurance company will pay your beneficiaries a lump sum. These policies insure your life, but do not provide for any additional type of investment.
If you are looking for the cheapest form of life insurance, term insurance is your best option. If you are looking for something a little more permanent, with a higher chance of payout, a Whole or Universal Life Insurance Policy may be better for you.
Whole Life Insurance
With a Whole Life Insurance Policy, you not only receive a guaranteed payout upon the passing of the policy holder, but your policy build an investment fund that can be borrowed against or withdrawn while still living.
Because your beneficiaries are guaranteed to receive a payout from a Whole Life Insurance Policy, the premiums are much higher and vary depending on the amount of coverage desired.
Universal Life Insurance
Universal Life Insurance is another form of permanent insurance but it has some added flexibility that Whole Life Insurance does not offer. With Universal Life Insurance, your premium payments not only create an account that can be borrowed against, but it earns interest which can be used occasionally to pay your monthly premiums. This policy, like Whole Life Insurance, covers you for your entire life, not just for a term.
Because of the flexibility offered by Universal Life Insurance Policies, these are usually the best policies for people who are looking for very long term options. Your premium starts high, but it is an investment that will generally lead to lower premiums and higher savings in the future.
Let Us Help You Find Your Policy
Take a moment and complete the information form at the top of the page and let us take the worry and work out of finding a life insurance policy. We promise to work to find you the cheapest, most affordable policy that covers all of your needs and allows you the protection and peace of mind that you are looking for. Receive a quote today!