Life Insurance

Serving All Of Michigan 

Protect Your Family And Your Assets

It’s Never Too Early To Explore Life Insurance Options

Term Life Insurance basics:
  • Coverage for a “term” or period of your life
  • Lower premiums for higher coverage
  • Provides a tax-free death benefit with a fixed rate for 10-30 years
  • No equity – cannot be used as cash value

Whole Life Insurance basics:

  • Considered a permanent policy
  • Protection carries with you your whole life
  • Can build equity, have cash value and dividends
  • You can borrow from the cash value on a tax-free basis
  • Premiums stay level; guaranteed to never increase
  • Higher premiums than term life, but can be more valuable in the long run

Term and Whole Life combined:

  • Build lifelong base of whole live coverage
  • Supplement specific times of your life with term insurance
  • A physical is always required. An examiner is sent to your work or home to perform a check-up that includes height and weight, blood pressure, blood work, and a urine analysis
Life insurance

Local Life Insurance Specialists

Count on our insurance experts to offer understanding, personalized insurance guidance, to explain all of the options available to you and to help you choose the right policy to meet your needs. Contact Rick Young Insurance to get started today!
FREE quotes available — call us today!
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