Life Insurance
- Secure Tomorrow — Starting Today
Life Insurance That Protects What Matters Most
At B&B Insurance, we believe life insurance is more than just a policy; It’s peace of mind. It’s about knowing your loved ones are protected, your legacy is preserved, and your financial plans are secure, no matter what life brings.
Whether you’re just starting a family, planning for retirement, or simply want to leave a lasting impact, our team will help you find the right life insurance plan for your goals, your future, and your budget.
Why Life Insurance?
Life insurance can help you secure your future when it comes to…
1
Living benefits
People have life insurance to provide a legacy of financial security to their loved ones at the time of their death. Living benefits can help you if you have a chronic illness, critical illness or terminal illness, and also provide you death benefits in your time of need.
2
College Planning
We know you want the best for your children. Higher education is a premium cost and we recommend financially securing their futures by planning ahead for college. Ask us how Life insurance can play a role in paying for your children’s college education.
3
Mortgage Protection
Your house is a big investment, probably one of the biggest you’re ever likely to make. It is also the place that you and your loved ones call home; a shelter and haven from the outside world. That’s why it is so important to ensure that your home and family are protected in the event of your death. Your life insurance policy can ensure your mortgage is paid-in-full and your home is debt free.
4
Retirement Planning
With the kids gone, you may not need as much life insurance as before, but it remains critical if you’re married and still working. Just because your children are through college, and the house is paid for, does not necessarily mean that Social Security and savings will take care of whatever the future holds. Life insurance can help you supplement your income.
Term Life Insurance?
Coverage for a specific time period—affordable and straightforward.
Great for young families or those looking to cover temporary needs such as mortgage payments, childcare, or income replacement. If you pass away during the term, your beneficiaries receive a tax-free death benefit.
- Lower premiums
Terms usually range from 10–30 years
Ideal for budget-conscious protection
Permanent Life Insurance?
Permanent coverage with cash value that grows over time.
Whole life insurance offers guaranteed lifelong protection. It also builds cash value you can borrow from or use later in life.
- Fixed premiums
- Guaranteed death benefit
- Cash value accumulation over time
Find a Life Insurance Plan that Works for You
FAQs About Life Insurance?
It depends on your financial goals, debts, income, and family needs. A common rule of thumb is 10–15 times your annual income, but we’ll help you calculate what’s right based on your unique situation.
Yes. Many providers offer policies to individuals with pre-existing conditions. Some simplified or final expense plans don’t require a medical exam. We’ll help you find the most accessible option.
If your policy expires and you’re still living, your beneficiaries won’t receive a payout. However, many term policies offer renewal or conversion options to permanent life insurance without a medical exam.
In most cases, the death benefit is paid out tax-free to your beneficiaries. However, any interest earned may be subject to taxes.
Yes, if you have a permanent life insurance policy like whole or universal life. You can borrow from the policy’s cash value, but unpaid loans may reduce the death benefit.
Many policies can be approved within 24 to 72 hours—especially simplified issue or no-exam policies. Some may take longer if a medical exam or underwriting is required.
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