Lisa Torres Insurance Agency - Life Insurance

LIFE INSURANCE FOR ALL THAT MATTERS TO YOU

By Lisa Torres | Owner, Lisa Torres Insurance Agency - State Farm

Explaining Life Insurance

Life insurance helps your life’s moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones.

Secure the Future

Term Life insurance: Need coverage for a specific time frame? Term life helps with short-term debts, added protection during child-raising years and more.

Whole Life insurance: This permanent policy protects your family’s future while building cash value that grows tax-deferred. Premiums remain level for the life of the policy.

Universal Life insurance: This permanent policy with flexible premium payments and death benefits can help protect your loved ones while building tax-deferred cash value.

Life Insurance Coverage at a Glance

Whether you're looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and budget. Decide which coverage is right for you before getting a life insurance quote.

Permanent Life

• Provides lifetime coverage, if premiums are paid.

• Cash value accumulates over time and creates an asset which may be used during your lifetime.

• Level premiums

• Some types of permanent insurance offer flexible premium payments and level or increasing death benefit options.

Term Life

• Initially, less expensive form of life insurance.

• May be renewable or convertible.

• Provides coverage for a limited time period (term), if premiums are paid.

• Provides a death benefit, but typically no cash value.

Key Takeaways 

• Whether the death benefit helps your beneficiary pay housing costs, maintain a current standard of living, or helps pay for your children’s education, State Farm® life insurance helps your life's moments live on. Help secure the future of your family with a term, whole, or universal life policy. You have choices, and we have policies to fit nearly every need and budget.

• If you thought you that you could not qualify for life insurance, guaranteed Issue Final Expense is now available. The death benefit can help with final expenses, including funeral, burial costs, medical bills, cremation, or other debt.

• Lisa Torres in Atlanta, GA will help you get started after you complete a life insurance online quote.

• Start your life insurance online quote by visiting lisatorres.org. It’s fast and easy!