Life is full of uncertainties, and while we can't always predict what tomorrow holds, we can plan for it. At Harris Insurance Services, we understand the importance of protecting your loved ones, and we are here to help you navigate life insurance options that make sense for you. Whether you're looking for coverage to support your family after you're gone, or you're preparing for specific financial goals, life insurance can offer that peace of mind. Call us at 713-254-6004 to explore your options today!
Life insurance is a gift to those you leave behind, ensuring they are financially supported even when you're no longer there to provide for them. It's not just for the wealthy or those with large estates—life insurance can cover day-to-day expenses, mortgage payments, educational costs, and more. When you choose life insurance from Harris Insurance Services, you're making a choice to protect the ones you love. Call 713-254-6004 to learn more about how we can help you.
A life insurance policy can provide coverage for many common needs. These could include:
Mortgage Payments – Life insurance can pay off your mortgage, ensuring your loved ones can stay in the family home.
Education Costs – Secure the future of your children's education with a payout that helps cover tuition.
Debts and Loans – Outstanding debts like car loans or personal loans can be taken care of by your life insurance policy.
Final Expenses – Life insurance often covers funeral expenses and medical bills.
Income Replacement – Your policy can replace the income your family would have relied on.
Estate Taxes – Life insurance can help pay for estate taxes, ensuring that assets are not lost.
At Harris Insurance Services, we offer a range of life insurance policies to fit your unique needs. Whether you're looking for something short-term or a plan that will last a lifetime, we’ve got you covered.
Term Life Insurance – This is a popular choice for people who want coverage for a set period of time, typically 10, 20, or 30 years. Term life is often more affordable and can be ideal if you're looking to cover specific financial responsibilities like a mortgage or your children’s college tuition. Give us a call at 713-254-6004 to explore your options.
Whole Life Insurance – This type of policy lasts your entire life and includes a cash value component. It's a great option for long-term financial planning, providing lifelong coverage and an investment component. Reach out to Harris Insurance Services at 713-254-6004 to discuss how whole life insurance can be a part of your financial strategy.
Determining how much life insurance coverage you need depends on several factors, including your income, debts, and long-term financial goals. A common rule of thumb is to aim for coverage that is 10-12 times your annual salary, but every situation is unique.
At Harris Insurance Services, we offer personalized consultations to help you figure out the right amount of coverage for your specific needs. Call us today at 713-254-6004 to schedule a meeting, or simply fill out our online quote request form.
Life insurance claims are generally paid out in the event of death, but policies often include additional options such as terminal illness riders. Here are some typical claims scenarios:
| Claim Type | Description |
|---|---|
| Death Benefit | A lump sum paid to your beneficiaries in the event of your passing. |
| Accidental Death | Additional benefits paid out if the death occurs due to an accident. |
| Critical Illness Rider | A payout that helps cover medical expenses in the event of a serious illness like cancer. |
| Terminal Illness Benefit | Allows you to access a portion of your death benefit if diagnosed with a terminal illness. |
Taking the first step toward life insurance is easy, and Harris Insurance Services is here to guide you through every step. Whether you're just starting a family, buying a new home, or planning for retirement, life insurance can be a key part of your financial future. Don't wait until it's too late—call us at 713-254-6004 or fill out our online quote request form today.