Life Insurance

If you have children, a spouse or other people who rely on you, having life insurance is important so that you can make certain that your loved ones will be provided for if you unexpectedly pass away. When you have life insurance, you can have peace of mind that the people who you care about the most will be financially secure in the event that tragedy strikes. Jim Lyman and The Lyman Agency, LLC can help you to choose a policy that will provide for your family in case the worst occurs.

What Is Life Insurance?

Life insurance is a contract between an insurance company and you in which you agree to pay premiums. In exchange, the company agrees to pay a specific amount to your beneficiary if you die.

Life Insurance Benefits

Life insurance gives you the peace of mind that your loved ones won’t be left facing mounting expenses and debts when you die. It can also help to provide them with money when they have lost your income.

Protection for you and your family for Life:

You work hard to make sure your loved ones have a comfortable life. How would they fare financially if you weren’t there to provide for them? Without your income to support them, could your family pay bills, make mortgage payments, cover debts or fund a college education? Life insurance is one of the best ways to protect the people you love.

What Are My Life Insurance Choices?

There are a few different types of life insurance, including term life, whole life, and universal life. Term life insurance offers coverage for set periods of time that might range from 10 to 30 years. If you die within that period, the money of your policy will be paid to your beneficiary. Whole life insurance remains in place for your entire life as long as you continue making your premium payments. You are also able to borrow cash from a whole life policy, but you will have to pay it back to continue your coverage. Universal life is similar to whole life, however, it has an interest-bearing saving account attached to it. You are able to pay in more money to earn more interest. You can borrow from your account and skip payments occasionally without paying a penalty.

The Cost of Life Insurance

The cost of your life insurance will depend on multiple factors such as your age, your hobbies, your job, and the coverage that you select. The younger that you are, the less that you should expect to pay for all types of coverage.

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Get Your Free Quote

Get the coverage you need for your Home, Business, Farm, Life and more. Let us complete a full policy review and prepare a quote for you Today!

Disability Income Insurance

While most Americans insure their cars, homes and possessions, many overlook their most valuable asset – the ability to earn an income. No one likes to think about becoming disabled. But what would happen if you became sick or hurt and unable to work? Who would run your business? Could you pay your monthly household or business expenses? Whether it’s supporting your daily living expenses today or funding your retirement savings for tomorrow, your ability to earn an income is your most important financial asset.

It happens more often than you’d imagine:

Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.¹
Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64.²

Contact The Lyman Agency, LLC

While it is possible for you to get life insurance quotes online, working closely with your own insurance agent can help you to get the best coverage at a competitive price. The Lyman Agency, Inc. can sit down with you and help you to understand the type of life insurance that you might need and how much coverage you should get. Contact us today to schedule an appointment or to receive your free quote.

U.S. Social Security Administration, Fact Sheet February 7, 2013
U.S. Census Bureau, American Community Survey, 2011

Protection for you and your family for Life:

Be Sure With Lyman Insure

At Lyman, we understand that your business is unique. You want an insurance agency that is familiar with the business to ensure you have the complete coverage you need.

Lyman Insure™ has the experience that business owners need to protect all aspects of their business. At The Lyman Agency, LLC., we recognize that it is the relationships we establish with our clients that set us apart. Please contact us for a free quote or insurance evaluation. You can be sure with Lyman Insure.

Personal Umbrella Policy

As you accumulate assets and your net worth grows, this is the time to seriously consider a Personal Umbrella Policy. An Umbrella Policy is liability coverage in increments of a million dollars that is in addition to your liability coverages on your underlying policies, of homeowners, Personal Auto, boat and motorcycle.

We will be happy to review your insurance needs and together we will determine what is best for you.