Life Insurance

Looking for life insurance? Kansas City residents can depend on Twin Lakes Insurance Agency for peace of mind. Turn to our caring staff and you won’t have to worry about your loved ones being cared for. To learn more about your options, call us today or stop by our locations in Lee’s Summit and Osceola, MO.

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs of our Kansas City and surrounding area clients. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection for each of our clients, from Kansas City and beyond. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance plan is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.