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Idaho Life Insurance

Specialized Life Insurance To Meet Your Needs

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What Types Of Life Insurance Do You Offer? 

With our 20 years of experience, we have seen what policies serve our clients and their loved ones best. We chose our areas of specialties to encompass life insurance for every type of needs you may have. Whether you’re looking for affordable life insurance, flexible life insurance, or life insurance with a cash value, we can help.

Term Life Insurance

The most affordable option; term insurance protects your loved ones for the number of years you choose. Many term products are renewable and you may have the option to convert the policy to a whole or universal policy.

Universal Life Insurance

A more flexible option, universal life insurance allow you to raise or lower your premium or coverage amounts throughout your lifetime. There are multiple variations to the traditional fixed products.

Whole Life Insurance

Featuring cash value, death benefits, and even gauranteed premiums; whole life insurance policies provide an increased death benefit for your beneficiaries. The cash value may even accumulate tax-deferred over time.

Located In Boise, Idaho

We Are Idaho Locals, Helping Other Idahoans

As local Idaho-natives, we genuinely care about the people within our community. Our goal is to help you navigate the life insurance process and we will find the right insurance policy for you and your loved ones.

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Frequently Asked Questions

How Does It Work?

What is the underwriting process?
To be approved for a policy you must meet specific requirements. Our process helps make sure that your premium payment is customized to you. For example, we may ask for a verification of income, a motor vehicle report and for you to complete a general physical exam.
What are the tax advantages?
Life insurance can offer certain tax advantages such as the death benefit being distributed to your beneficiaries free of income tax. You may also qualify for the cash value of your policy growing tax-deferred.
How do I receive tax benefits?
Your policy must qualify as life insurance under the law.
How do I determine the right amount of coverage for myself?

In short, you will need to establish how much money it would take to pay for your family’s needs. Then you will need to look at the resources that may be available to your family upon your death. The difference between your family’s needs and resources will help calculate the amount of life insurance you should have.

For an approximation, you can utilize our calculator on the specialty page of your choosing.

Do I ever need to update my policy?

Your policy is dependent on your personal and financial needs. When you have major life changes it can be beneficial to update your policy to reflect those changes.

At what age should I get life insurance?

Life insurance is beneficial regardless of your age. The earlier you purchase life insurance the less expensive it will be. Purchasing life insurance may assist in paying for your funeral, paying off debt, helping with retirement or financially caring for someone after you are gone.

Get Started

If you have any questions regarding life insurance or want to find the right policy for you and your loved ones, you can get started today by contacting us via email or form.