Life Insurance

PROTECT WHAT MATTERS MOST

One of your biggest dreams is probably to provide a good life for your family, and you want to be around to see it through. Sadly, however, you cannot predict the future, and in the event of your untimely death, you want to be able to protect the people and things that you care about. By investing in quality life insurance benefits with the help of AJ Gambardella Insurance, you’ll be able to get the solution you need to ensure your family’s financial future. 

We’re your one-stop destination for all your insurance needs, and if you want to make your search for life insurance easy, then just call us at (203) 377-8455 or request your free quote now! 

More About Life Insurance 

How does a life insurance policy work? 

While you are alive, you will contribute value to your family (and to society at large). However, when you die, that value will go away, and your loved ones could face financial insecurity that would not have occurred had you remained alive. 

Life insurance can make sure they receive the support they deserve anyway. If you insure yourself with life insurance, you will designate an amount of money, known as a death benefit, to be provided to a designated beneficiary upon your death. With access to life insurance funds, your family will be able to pick up the pieces of your loss and move on with their lives without facing monetary troubles. There’s no better legacy that you could possibly leave them. 

What are the three types of life insurance?  

Life insurance falls into three main categories: 

Term Life Insurance   

A term life policy provides a death benefit to your loved ones as long as you die during the policy’s term. This might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, then the policy does not pay. You will also have to reapply for a new policy if you want to continue to have coverage. 

Whole Life Insurance  

Whole life policies last for the remainder of your life once you enroll. These plans will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities in addition to death benefits, and the cash value component can enable you to receive a source of income during your lifetime. 

Universal Life Insurance 

A universal life policy is very similar to a whole life plan. However, it offers greater flexibility for you to change your premiums and death benefits, in addition to an adaptable cash value investment option. 

But don’t think these are the only three life insurance options on the market. There are numerous other options that fall under the term, whole life or universal life insurance umbrellas, including: 

How much does life insurance cost?  

Many people worry that they won’t be able to afford life insurance because they have a pre-existing condition, or because they work in a high-risk occupation. This is not a mindset that AJ Gambardella Insurance believes in. Our priority is to make life insurance affordable, understandable and attainable for everyone, no matter where they are in their life.  

Contact us to learn more about life insurance or request a free quote now.