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Home > Life Insurance - Cedar Rapids IA & Iowa City IA - Skogman Carlson Insurance

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form

Life Insurance Information

Death is a tough discussion for everyone to have, especially when it comes to financial concerns. Life insurance can help alleviate some stress that may come with the concern of financial stability upon your passing. Adequate life insurance coverage can help ensure that your loved ones will be supported financially when you are no longer there to do so. 

What Are the Types of Life Insurance?  

There are two primary types of life insurance:  

Term Life Insurance: A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term 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. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities, and the cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).  

Several more specific policies also exist, including:  

  • Universal Life Insurance 
  • Final Expense Insurance 
  • Group Life Insurance 
  • Individual Life Insurance 
  • Key Person (Key Men) Insurance 
  • Long-Term Care Insurance 
  • Mortgage Protection Insurance 
  • Second-To-Die Policy  

Speak to one of our agents to learn more about which type of policy is best for your needs.  

How Does Life Insurance Work?  

Upon your death, a certain amount of money, commonly known as a death benefit, is given to a beneficiary of your choosing. This money is there to assist your beneficiary in financially recovering from your loss, as well assure that they are taken care of. 

How Much Does Life Insurance Cost?  

A life insurance premium differs from person to person. Factors such as age, income and coverage are some of the aspects included in premiums. 

The affordability of a life insurance policy is, oftentimes, a chief concern among people. The important thing to note is that our agents will assist you in selecting adequate coverage no matter where you are in life or what your unique situation is. 

How to Get Life Insurance 

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

 

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Location 1110 Dina Ct.
Hiawatha, IA 52233

P: 319-366-6288
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