Life Insurance
Protect What Matters Most
At A.M.Smith Agency, we help individuals and families make confident, informed decisions about their life insurance coverage. Whether you're planning ahead for your family’s financial security, considering final expense coverage, or comparing term and whole life policies, we offer clear, unbiased guidance every step of the way.
As your licensed life insurance consultant, we’re committed to helping you select a plan that aligns with your goals, your timeline, and your budget.
Why Life Insurance Matter
Life insurance is more than a policy—it’s a plan for the future. It provides peace of mind that your loved ones will be financially protected in the event of the unexpected.
Depending on your needs, life insurance can help:
- Cover funeral and final expenses
- Replace lost income for your family
- Pay off debts like mortgages or loans
- Fund college tuition or long-term care
- Leave a legacy for your loved ones
We make it easy to understand your options so you can make decisions with confidence.
Our Process – Simple, Personalized, Transparent
You’ll never be pressured into a policy. We take the time to:
- Understand your financial goals and coverage needs
- Explain the differences between term, whole, and final expense policies
- Compare carriers and premiums
- Help you apply with confidence
- Provide ongoing support for beneficiaries or changes to your plan
We work with multiple reputable carriers so you get the right plan—not just one the agent happens to represent.
Life Insurance Plans We Offer
Term Life Insurance
Provides coverage for a set number of years (e.g., 10, 20, or 30 years). Term policies are often affordable and ideal for covering temporary needs like mortgage protection or income replacement during your working years.
Whole Life Insurance
Offers permanent coverage with a fixed premium and builds cash value over time. This type of insurance is often used for estate planning or leaving behind a guaranteed benefit for beneficiaries.
Final Expense Insurance
Designed specifically to cover end-of-life costs, this policy ensures your family isn’t burdened with funeral expenses or outstanding medical bills. It’s a smart option for seniors seeking a simple, guaranteed benefit.
FAQs About Life Insurance
How much life insurance do I need?
It depends on your income, debts, dependents, and financial goals. We’ll help you assess your needs and determine the right coverage amount.
Is there a medical exam required?
Some policies require a health screening, while others—like guaranteed issue final expense plans—do not. We'll review which options fit your situation.
What’s the difference between term and whole life?
Term life lasts for a set number of years and is usually more affordable. Whole life is permanent and includes a savings component. We'll explain the pros and cons of both.
Can I change my policy later?
Yes. We’ll guide you through updates, beneficiary changes, and conversions as your needs evolve.
Request a Free Consultation
Protect your family and plan ahead with expert help.
- Are you exploring affordable life insurance options?
- Do you want coverage that builds long-term value?
- Need to secure final expense protection?
Let’s talk about your goals and find a plan that makes sense.
