Life Insurance

Life insurance is a policy that pays a benefit in the event of the policyholder’s death. The coverage is a contract with the insurer that promises to pay a benefit to the beneficiaries. As the policyholder, you have to pay premiums to keep the policy active.

Beneficial for Anyone

Everyone needs life insurance. It helps pay for burial expenses and other expenses. The insurance company will want to know details such as weight, health history, lifestyle habits, annual income and family health history. If you’re unwell, then your policy will cost more. It will also cost more based on your age. A young healthy person would pay a lower premium than an elderly or ill person.

As the policyholder, you agree to pay the premium. The insurer, on the other hand, agrees to pay beneficiaries the death benefits when you die.


There are term insurance plans, unit-linked insurance plans, participating insurance plans and non-participating insurance plans. Term insurance offers coverage for a specific time. Participating plans have non-guaranteed and guaranteed benefits for the beneficiary. With the non-participating insurance plan, the policyholder can use the policy to grow their savings.


Life insurance is will make things easier for loved ones once you’re gone. They’ll be able to pay your burial expenses, and have something left for living expenses.

Other Policies

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Life Insurance

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Elkins (304) 636-0899

1301 Harrison Ave | Elkins, WV 26241

Point Pleasant (304) 675-4132

809 Viand Street | Point Pleasant, WV 25550

Buckhannon (304) 473-0899

236 S. Kanawha Street | Buckhannon, WV 26201