Life
Insurance

Life Insurance for unwanted tragedies
Life icon

What is Life Insurance?

The policy you choose is there when your family needs it most. So, it’s important you select the one that best fits your unique needs. At Reliable Insurance, we want to help you prepare for the unexpected. You won’t have to worry about everyday bills, mortgage payments, incurred debts, or kids going to college. 

We understand each individual and family have their own personal needs. Our expert life insurance agents provide professional input to develop a plan to best protect your family’s assets and lifestyle.

Below are a few different types of Life plans we offer but are not limited to:

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Term Life

Term Life is a great option for when you only need the policy for a certain period of time. You can choose from policy terms of 5, 10, or 20 years. In the event of a tragedy or loss, if it occurs within the allotted term, the beneficiary receives the full value of the policy. Policies are based on the holder’s age, life expectancy, and health.

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Whole Life

Unlike term life, if you continue to pay the premium, the policy never expires. The death benefit will be paid upon the insureds passing.

An elderly man and woman sit outside, holding a baby in a flower headband and a toddler who looks surprised. The man smiles while the woman gazes at the toddler. Trees and a building appear in the background—family moments with Duluth Insurance Agency.

Universal Life Insurance

Universal Life policies offer more flexibility than a Whole Life policy for a more affordable cost. You can adjust premiums and death benefits and borrow from money you’ve accumulated tax-free through the investment savings component of your policy.

We want you to get the right
Life Insurance

Which Life policy you choose will largely depend on your own life, why you are deciding to take out a policy, and what your financial goals are. Speak with one of our Reliable agents to discuss your options and find the right plan for you.

Disclaimers

Minnesota (MN)

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 99 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Wisconsin (WI)

Please be advised, we do not offer every plan available in your area. Currently we represent 6 organizations which offer Medicare products in this area. Please contact 1-800-MEDICARE, medicare.gov, or your local State Health Insurance Program to get information on all of your options.