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Griffith Insurance LLP

1240 West Chester Pike Suite 214
West Chester, PA 19382

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Pennsylvania Life insurance coverage

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Life Insurance in Pennsylvania

Many people decide to get life insurance when they have children since insurance can be the difference if other people are counting on your income. Life insurance can help your beneficiaries pay for the mortgage, fund education expenses, or even keep food on the table. Some also view life insurance as income replacement. Whether or not you choose to get life insurance can depend on your financial situation and your lifestyle, and there are different policies to suit different needs.

Types of Life Insurance Policies in Pennsylvania

An agent at Griffith Insurance LLP in West Chester, PA can help you go over the various available policies to help you find the right one for your financial situation. Term life insurance will give you coverage for only a specific period. If you don’t currently have a policy, this may be an excellent place to start. It can usually be less expensive than other policies. You get to pick the terms, which can be anywhere from one year to thirty years. Some term policies allow you to convert the policy to permanent coverage to give you some more flexibility.

Whole life insurance is permanent life insurance, so it will remain in effect for your entire life, as long as you keep paying premiums. It can also be used as an investment since there is a build-up of cash value over time. Universal life insurance is similar to whole life insurance but can give some more flexibility with premiums.

Getting Life Insurance in Pennsylvania

When you get a new life insurance policy, you are entitled to have a free look period for ten days. This allows you to take a look at the policy carefully and consider every detail. You can decide if this is right for you. You also get a grace period of 30 days. This means that you have 30 days after a missed payment to get the account in good standing. During the grace period, the company must payout if the insured dies.

Contact Griffith Insurance LLP in West Chester, PA to get a quote on life insurance.

States Served

  • Pennsylvania
  • New Jersey
  • Delaware
  • Maryland


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