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Protect your home and your family with our homeowners and life insurance policies. At ABC Agency, we help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing. Contact us now in King City, Oregon, to discuss your home and life insurance needs with certified agents who work hard for you.
Homeowners Insurance
Let us provide you with the insurance coverage you need for your house. Your home is a sanctuary in a hectic world, so when it is damaged or destroyed, you need your claim settled by an insurance agency that understands this simple fact.
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Renter's Insurance
Don't own your home? Enjoy top-end rental insurance through Safeco®, Austin Mutual™, Foremost™, or Progressive®. These policies are perfect for condo renters needing protection for furniture, appliances, clothing, and most other personal property.
Types of Life Insurance
There are several different types of life insurance products available. The most common include term life, whole life, and universal. Call us today to learn more about our insurance options.
Term Life Insurance
Term provides life insurance protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It's generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a q- (annual renewable term) to 20-year period (level term). Furthermore, term insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance
Whole life is a form of permanent life insurance that remains in force during the insured person's lifetime, provided premiums are paid as specified in the policy. Whole life insurance can build cash value.
Universal Life Insurance
Universal life is a form of permanent life insurance characterized by its flexible premiums, flexible face amounts, and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
Advantages of the Death Benefit
Death benefits provide income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind. It can also provide business security by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Advantages of Living Benefits
The cash value growth of a permanent life insurance policy is tax-deferred, which means you do not pay taxes on the growth of the cash value unless the money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.
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