Life Insurance

Pennsylvania Life Insurance

Heritage Insurance Agency strives to do go above and beyond the average Pennsylvania Insurance Company, including advising our clients on the PA life insurance protection that makes sense for them.

Your family depends on you to provide for their needs financially and emotionally. If the worst happens, your emotional support can never be replaced, but many dependable Pennsylvania life insurance companies provide financial protection that every family deserves.

Having the correct PA life insurance protection is vital to your family continuing their standard of living if you die unexpectedly.  Click here to see a video collection of how life insurance impacted the lives of loved ones left behind.

Consider your financial plan that you’ve mapped out with your investment advisor.  What happens to that plan if your spouse passes away?  What are your contingency plans?  If you haven’t had that conversation, or you’re relying on the life insurance provided by your employer, fill out our contact form or give us a call to discuss your PA life insurance needs.

Types of Life Insurance in Pennsylvania

There are several types of Pennsylvania life insurance, at Heritage Insurance Agency, we have them all!

Term Life Insurance – this policy lasts for a determined period of time, with guaranteed premium and death benefit, and ends entirely at the end of that period of time, with no payout if you live through the term.  Some PA term life insurance companies offer renewals at the end of the term for a much higher premium.

Whole Life Insurance
– this policy does exactly what it says it will – lasts your whole life, which means it’s guaranteed to pay the death benefit at some point.  The death benefit is usually level with this policy, but the premium payments can last for varying amounts of time.  PA whole life insurance policies also earn guaranteed cash value.

Universal Life Insurance – this policy can have variable death benefits as well as variable premiums and variable cash values.  There are several pitfalls and opportunities with a PA universal life insurance policy that require careful consideration.
Heritage Insurance Agency represents many top rated Pennsylvania insurance companies that specialize in life insurance – ensuring you get right protection at the lowest insurance rates!

Picking your own price may not provide the coverage you need, and you deserve more than 15 or 20 minutes to consult with a local PA life insurance expert. The biggest difference between Heritage Insurance Agency and those big nationwide insurance captive agents and direct life insurance writers is they can only provide ONE PA life insurance company, we broker life insurance, and have nearly total market access (there are only a couple of PA life insurance companies we don’t represent)!

The big carriers have slick advertising with cute animals, cartoons, and outrageous promises to magically appear when you recite their jingle – what they don’t offer is what Americans love most – Independence!

Heritage Insurance Agency has many PA insurance companies that specialize in PA life insurance, and we’re growing.  Our core mission is to serve the client first, which means we’ll examine your needs, compare them to our insurance company partners, and recommend the insurance company with the Pennsylvania life policy that meets your specific needs. Call Us today for a Free Quote.

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