Life Insurance From EVCO Insurance

There are several different types of life insurance products available. The most common include:

Term Life Insurance

Term life insurance provides life insurance protection for a specified period of time. If you don’t currently have life insurance, term can be a good place to start. It's generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a one- (annual renewable term) to 20-year period (level term). Term insurance can sometimes be converted to permanent coverage, providing you with flexibility as your needs change.

Return of Premium Term Life Insurance

A Reward for Living! Return of Premium life insurance is a form of term life insurance that returns 100% of your premiums at the end of the term. This is a less expensive alternative to Whole life or Universal life while also providing an added benefit to standard Term insurance.

Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force during the insured person's lifetime, provided the premiums are paid as specified in the policy. Whole life insurance can build cash value.

Universal Life Insurance

Universal life insurance is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts, and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.