Life Insurance

Protect what matters most with life insurance tailored to your needs. From securing your family’s future to covering final expenses, we help you find the right policy for lasting peace of mind.

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Plan for tomorrow, today.

Coverage that protects your family’s future.

Life insurance is more than a policy—it’s a promise to your loved ones. Whether you need coverage for income replacement, mortgage protection, or final expenses, having the right plan ensures financial security when it matters most.

At Stephen Benjamin Insurance Agency, we offer term, whole, and universal life insurance to fit your unique needs. We’ll walk you through your options and help you select the best coverage, giving you and your family confidence in the years ahead.

Find the right life insurance for your needs.

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Term Life Insurance

Affordable coverage for a set period, ideal for income replacement and major expenses like mortgages or college tuition.

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Whole Life Insurance

Permanent coverage with cash value benefits, providing lifelong financial protection and a legacy for your family.

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Universal Life Insurance

Flexible, long-term coverage that allows you to adjust premiums and benefits as your financial needs change.

Life insurance questions?

We’ve got answers.

Choosing the right policy is important. Here are answers to common questions about life insurance coverage and benefits.

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  • What is the difference between term and whole life insurance?

    Term life insurance provides coverage for a set period, such as 10, 20, or 30 years, and pays a benefit if the policyholder passes away during that time. Whole life insurance lasts a lifetime and builds cash value over time, making it an investment as well as financial protection.

  • How much life insurance do I need?

    Your coverage amount should be based on income replacement, debts, future expenses (like college tuition), and financial goals. A general rule is to have 10-15 times your annual income in coverage. We’ll help you assess your financial situation and determine the right policy for your needs.

  • Can I get life insurance if I have a pre-existing condition?

    Yes, many insurers offer policies for individuals with health conditions, though rates and coverage may vary. Some companies require a medical exam, while others offer no-exam policies at higher premiums. We work with multiple carriers to find the best options for your situation.

  • What happens if I stop paying my life insurance premiums?

    If you have term life insurance, your coverage will lapse after a missed payment. Whole and universal life insurance may allow you to use accumulated cash value to cover premiums temporarily. To avoid coverage loss, it’s important to review your options with an insurance expert before stopping payments.

  • Is life insurance expensive?

    The cost depends on factors like age, health, policy type, and coverage amount. Term life insurance is typically the most affordable, while whole and universal life policies cost more but offer long-term benefits. We’ll help you find a policy that fits your budget and goals.