Term Life Insurance

Protect your loved ones with affordable Nevada term life insurance from American Best Agency.

Protect your family with affordable Nevada term life insurance!

 While it may be difficult to imagine, it’s important to prepare in advance for a time when you may no longer be around.  At American Best Agency we can help you determine which type of Nevada life insurance policy is right for you.  We have access to dozens of life insurance providers and will do the shopping for you!  For most people and situations, we recommend simple and affordable term life insurance.   Term life insurance rates have never been more affordable, but the lowest price does not always equal the best value.   We take the time to understand your goals in buying life insurance and make sure the plan we present fits your needs.

Term Life Insurance Basics

  • Coverage for a “term” or period of your life.  The term is typically between 5 and 30 years.
  • Relatively low premiums
  • Provides maximum coverage for the lowest cost.
  • Rates can change after specific terms expire.
  • No equity or cash value accumulation in the policy.

 Permanent Insurance Basics

  • Exactly like it says – permanent, not for a specific period.
  • Many types of policies including whole life and universal life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

When to choose term life?

Most people choosing term life have a strategy for long term net worth that includes investments or retirement accounts. They need simple life insurance coverage for a period of their lives to pay off debt and provide financial security to their heirs, such as a spouse and children   Term life insurance does not build any cash value or equity but it is very affordable and provides high coverage amounts for the price.

Call us at (702) 638-0022 or complete the simple form on this page for a no-obligation quote on life insurance.

Our Life Insurance Experts:

Mike McCoy Mike McCoy
(702) 522-2006
Nick Patterson Nick Patterson
(702) 529-0115
Julie Ligotti Julie Ligotti
(702) 529-0117
Hendra Wijaya Hendra Wijaya
(702) 529-0119

 

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