Shannon and her daughter in black and white at Massanutten Resort

Personal Life Insurance

Waht is Personal Life Insurance?

There are two main types of life insurance; term life insurance and permanent life insurance. Term life insurance simply covers you for a specified amount of time (10, 20, and 30 year policies being the most common).

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Categories: Benefits

Also Known As : Term Life Insurance, Whole Life Insurance, Universal Life Insurance

Springer University Videos for Personal Life Insurance

Types of Life Insurance

Cash Value

Whole Life Insurance

Face Amount

Life Insurance Physical

Term Conversion

Can you purchase Life Insurance on Someone Else

Life Insurance Outside of Work

Decreasing Term Life Insurance

Tax on Life Insurance Benefits

Death Benefit

Grace Period

Graded Death Benefit

Life Insurance Reinstatement

Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time. With a life insurance policy from Nationwide, you can help secure your family's financial future by paying for college, paying off a mortgage, covering any final expenses or estate taxes, and more.

Why 23113?

23113 is an important local market for The Springer Agency because it includes western Midlothian and higher-value homes with insurance needs that are not always handled well by a basic online quote. Risks in this area can involve custom homes, valuable property, umbrella liability, and replacement cost accuracy. The Springer Agency helps clients review homeowners, auto, umbrella, business, farm, boat, or specialty coverage depending on how the property, vehicles, and household are actually used. The Springer Agency can help western Midlothian and higher-value homes compare multiple insurance carriers, review replacement cost, liability limits, deductibles, water backup, roof settlement terms, and other coverage details before a claim happens. Because every neighborhood and property type is different, The Springer Agency’s independent approach gives clients in 23113 a practical way to match coverage to real local risks.

Rates tend to go up as you age. Buying a policy when you're younger lets you lock in a lower rate.