Life Insurance

Life Insurance

We take immense pride in selling life insurance. Our agents pay detailed attention to you and take the time to understand your unique situation. Life insurance is crucial regardless of your occupation. You may have a policy through your employer, but that is not always enough. At The Hornbuckle Agency, it is our mission to make sure you have the coverage you need. That starts with learning more about you.

Life insurance is split into two categories: term life and whole life. We like to explain it as rent versus buy. When you rent a home, you are not building equity when you make payments. You stay there for a fixed period, so it is cheaper. When you buy a home, you build cash value. In essence, whole life insurance is similar to owning a home. You build cash value which is more beneficial in the long run.

Our goal is to provide you with the amount of life insurance that adequately protects your loved ones while comfortably fitting into your budget. If you come to us with a set amount you are looking for and an understanding of the cost, then we can do that. But most of the time, we suggest sitting down and analyzing your needs. We look at the financial commitments that rely on your income, dependents, and budget. We work to find you the ideal life insurance coverage, but we will not set you up with a plan that is beyond your means. Although we want you to have a comfortable monthly payment, we do not recommend removing the coverage altogether. Life insurance is a valuable asset. Without it, your loved ones will be left with many expenses and no income to cover them. Protect your loved ones and their future with Alfa Insurance.

Life Insurance Covers

  • College Tuition
  • Childcare Costs
  • Existing Debt
  • Home Mortgage
  • Day-to-day Expenses
  • Final Costs

Everything changes. Life changes. You have kids, your teens become drivers, and you add to your home or purchase a new one. There are a million different things that can change. Insurance is created to take care of you and to restore you in the event of a loss. However, if you have life changes that we are unaware of, we cannot adequately protect you. That’s why it’s important to sit down and review your policy every year.

Coverage Options

Whole (Permanent) Life

  • Ages 15 Days to 80 Years
  • Guaranteed Cash Values
  • Fixed or Flexible Premiums
  • Coverage options beginning at $15,000

Burial Policy

  • Ages 15-80
  • $5,000-$15,000 in coverage
  • No Medical Exam

Guaranteed Acceptance Life

  • 40-80 years old
  • $2,000-$25,000 in coverage
  • Guaranteed Issue
  • Fixed Premiums

Term Life

  • Ages 15 Days to 70 Years
  • 10, 15-, 20-, 25- & 30-Years policies

Return of Premium Term Policy

  • Ages 15 Days to 50 Years
  • 30 Year Policy
  • Coverage options begin at $50,000
  • If you’re still living and the policy is in force at the end of the 30-year term, your base annual premiums and policy fees are returned to you.

Rapid Issue Term Policy

  • Ages 18-59
  • 10-, 20-, & 30-Year Term
  • No Medical Exams, No blood work
  • $25,000-$75,000 in coverage
  • Fixed Premiums

Life Insurance Riders Include:

  • Children’s Term Rider
  • Guaranteed Purchase Option
  • Guaranteed Renewability Benefit
  • Premium Insurance
  • Spouse Level Term Option
  • Waiver of Premium Benefit

Life insurance can be a difficult thing to talk about. Creating an open and honest discussion can make the process easier. We educate our customers on our policies so they are fully aware of their options. Contact us or schedule an appointment to discuss your insurance needs or to evaluate your current plan.