Effective, Affordable,  Mindful: The Strengths of Life Insurance

Life insurance can provide protection where and when your family will need it most, helping you focus on the moments happening now. We're here to help guide you to the most beneficial plan available to meet your family's needs. 

Protection For Dependents

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If you have dependents, such as children or a spouse who rely on your income, an effective life insurance policy can provide financial security for them in the event of your death. Life insurance can help cover expenses like mortgage payments, child care, and education costs.

Affordable Premiums: Perfect For The Growing Family

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​ Life insurance premiums are generally cheaper for younger individuals, as they are considered low-risk policyholders. By purchasing life insurance at a younger age, you can lock in a lower premium rate and potentially save money in the long run.​ 


Example: Ted and Carol, aged 35, are both in excellent health. They have a couple of kids and are considering purchasing Life Insurance to keep the family financially secure if something were to happen to either of them. They've assessed that $500,000 of coverage for each of them will work best.

Ted (age 35):  20-Year Term, $500,000 Life Policy = $33 month
Carol (age 35): 20-Year Term, $500,000 Life Policy = $29 month

​For $62 a month, they each have $500,000 of coverage. 

Peace of Mind

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​Knowing that your loved ones will be taken care of in case something were to happen to you. With the right life insurance policy, you can be confident that your family will be financially secure and able to maintain their standard of living.​​
The Underwriting Process: While New Health Insurance policies do not require health questions for enrollment, Life Insurance policies do, and can be subject to Underwriting. You will begin by answering health questions on the application. After that, you may also be asked to answer additional questions, see a physician for testing, or requirements set by the underwriter. A life policy will not be issued until the underwriting process is complete.

Get Started On Your Quote or Contact Trout Insurance at 828.279.4681

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About Life Insurance

Life Insurance will provide financial protection for your family in the event of your death. It is the essential component in planning for your family's future and is the most important thing you will ever do for those who depend on your ability to earn an income.

There are two types of life insurance:
  • Term life insurance
  • Permanent life Insurance
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What's the Difference?
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Term Life Insurance
  • Offers the most affordable protection available and is designed to meet a temporary need.  
  • Will provide coverage for a specific period of time (the term) and pays the full benefit if you die during the defined time period.  
  • Makes sense when you have a large need for insurance that will disappear at a specific point in time.  For example, you may need a significant amount of life insurance until your children graduate from college, your mortgage is paid off or for income replacement during your top earning years.  
  • Term Life Insurance Policies are available in 1, 5, 10, 15, 20 and 30 year time periods.  

Permanent Life Insurance
  • Are also known as whole life, and provide lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.  
  • Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.  ​​
Want to know the amount of Life Insurance you should apply for? Use our life insurance calculator to help determine your need.