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Discover the advantages of insuring with QZ Health Insurance Agency LLC. Learn more.

To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder's death.

A life insurance policy provides you and your family with peace of mind. After all, it's nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.

How Much Coverage Do I Need?

The amount of life insurance you decide to purchase depends on your anticipated final expenses and your family's projected monetary needs in the future. Once you have dependents, you should buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur.

Why Term Life?

Term life insurance coverage is pure protection. Simply put, if you die while your term life insurance policy is in effect and all of the required premiums have been paid up to that point, your beneficiaries receive the exact benefit amount you selected. We offer term life insurance quotes for policies that are competitively priced and easy to apply for.

What term is best for me?

There is no "best" length of term life insurance to choose - 10, 15, 20 or 30 years are typical life insurance terms. Younger people generally select longer terms, while people enjoying retirement choose shorter terms. The goal for most people when choosing a life insurance policy length is to protect their loved ones throughout their income-earning years.

What is Whole Life?

Whole Life insurance offers level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. QZ Health Insurance Agency offers whole life policies that can be paid with a single premium, premiums payable to 100, or somewhere in between. Whole life policies also provide for the accumulation of cash value on a tax-deferred basis which can be used when you need it, to help with life’s opportunities. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.

Typical Uses for Whole Life?

• Provides for a family’s loss of income, mortgage costs, and educational needs
• Access to cash value for life’s opportunities
• Leaving a legacy for the next generation

We also consult on the following types of policies:

• Long Term Care
• Annuities