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 Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Life Insurance Information
Affordable Columbia, SC Life Insurance
Life Insurance in Columbia, SC
Life insurance is a crucial financial tool designed to ease your family’s burden after you pass away. With the right policy, your family can receive the financial support they need to help them maintain stability during a time of loss and uncertainty.
What Are the Types of Life Insurance?
Upon the policyholder's passing, a designated beneficiary can apply for a specified sum through a life insurance policy, referred to as the death benefit. The amount disbursed depends on the type of policy and the level of coverage selected.
There are two main categories of life insurance, each offering distinct features and benefits:
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Term life insurance covers a specific period—commonly 10, 20 or 30 years. If the insured individual passes away during the term, the policy pays out a death benefit to the designated beneficiaries. However, the coverage ends with no payout if the term expires while the insured still lives. A new policy must be obtained to maintain financial protection beyond the original term.
Your agent can explain various policy options, such as universal life insurance, final expense insurance, group life insurance, individual life insurance, long-term care insurance, second-to-die policies and mortgage protection insurance.
How Much Does Life Insurance Cost?
Life insurance rates may vary significantly and will be calculated based on your age, income, the level of coverage you select and other factors. Contact your agent at Affordable Insurance Group to learn more and secure appropriate coverage.
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