Life Insurance

Almost everyone needs life insurance. Whether you’re single, married, parent or non-parent, own a business or are retired – there is a need. Life insurance from gives you the opportunity to protect the future of others in the event of your death.

Term Life Insurance

Get the most coverage for your dollar with a temporary or term policy. Term life insurance is designed to provide you with coverage for a select period of time (10, 15, 20, 25 or 30 years). It’s simple, easy on the family budget and a temporary alternative or supplement to permanent insurance plans. The Crisp Agency offers the following term plans:

Next Chapter™ Term Life

If you’re in the market for a life insurance plan that’s easy on the budget and serves as an alternative or supplement to permanent insurance plans, the Next Chapter Term Life plan may be the perfect fit for you. With flexible payment options and coverage amounts from $80,000 and up, Next Chapter provides an affordable level of protection with the convenience of having a constant level of life insurance coverage for the duration of the policy. Coverage is available for 10, 15, 20, 25 and 30-year terms. 
 

Term life insurance rates by age

One of our most popular plans, our level premium term policy provides the convenience of having a constant level of life insurance coverage for the duration of the policy. This plan is very affordable and allows you to purchase large amounts of coverage at reasonably-priced rates. It is available for ages 0-70. Once the initial term expires, you will have the option to continue renewing annually as you get older (until age 100). During the renewability phase of the policy, your rates will increase based on your age at the time of renewal. You may also convert your term policy to any of our permanent life policies at any time before age 65. 
 

30 year term life insurance

Imagine term life insurance that gives you cash back at the end of the policy term. That's exactly what our return of premium plan does. Available as a 30-year level term plan, this option is ideal for those who want and need protection and peace of mind, but think they will outlive their policy. With the ROP term, if you are living and the policy is in force at the end of the 30 year period, all your base premiums and policy fees are returned (excluding premium for riders, benefits, extra life premiums/rate ups and modal fees). Even if you cancel before the term expires, you could still receive a percentage of the premium paid. 
 

Rapid issue term life insurance

This term life insurance policy is offered with an easy application process, and with simplified underwriting. This policy has no medical exam requirements. The Crisp Agency offers this plan of insurance with term options of 10, 20, or 30 years. The minimum age to apply is 18 years old and the maximum age varies by the term selected. Volumes offered are as low as $25,000 and up to $75,000. The policy does allow for a period of conversion to a permanent plan of insurance.


* Non-tobacco rates are available on all policies for those who qualify.

Permanent Life Insurance

If you have a long term need for life insurance, The Crisp Agency offers permanent insurance coverage designed to cover you for your entire life. As long as you make the premium payments, the coverage will be there when you die. 

Your permanent policy can build substantial cash value. This cash value can be borrowed and used for anything you wish. Many permanent life policies also include accelerated death benefits that help by providing advanced funds if the insured is diagnosed with a terminal illness. Permanent life plans include:

First Step Life™ Insurance

Available for children through 14 years of age, Our First Step Life plan provides security for all their steps in life. These permanent, interest sensitive policies are available in coverage amounts from $15,000 and feature flexible payment options. And for pennies more, you could add a Guaranteed Purchase Option or Premium Insurance rider to your policy. Ask your local agent today how the First Step Life plan is right for your family.

Interest Sensitive Plan

One of our most popular permanent life plans, interest sensitive life offers a cash accumulation feature that earns interest according to our declared current rates. As the cash accumulation value grows, excess interest earnings can be used to pay premiums for you. So it’s the best of both worlds for you - current yields, traditional guarantees and the simplicity and protection of a whole life policy. This policy is issued for ages 0-75.

 

Final Expense Plan

This affordable policy is often used for final medical expenses or burial costs. With a simplified underwriting process, this policy has no medical exam requirements. This policy is issued for ages 15-80.

 

Guaranteed Acceptance Life

This whole life policy is an affordable option for customers 40 to 80 years old. It’s designed to protect your family’s future by helping cover medical bills, credit card debt or funeral costs up to $25,000. Best of all, you can’t be turned down for health reasons. *The Guaranteed Acceptance Life Insurance policy provides a return of premium plus 10 percent interest if death is not accidental during the first two policy years. This policy is not a funeral or burial contract. The policy does not guarantee that its proceeds will be sufficient to pay for any particular services or merchandise at time of need nor that services or merchandise shall be provided by any particular provider.

 

Flexible Universal Life Insurance

Seeking flexibility in your life insurance coverage and premium payments? Then our universal life insurance plan may be the right one for you. This permanent insurance plan offers a cash accumulation feature that earns interest according to our declared current rates.

 

Whole Life Insurance

If you’re in the market for insurance coverage that continues throughout your lifetime with premiums that don’t go up and coverage that doesn’t come down, whole life insurance could be an ideal fit for you!

Our new Single Pay, Ten Pay and Life Pay Whole Life policies offer protection for individuals up to age 80 with coverage amounts that start at $15,000. Each of these whole life policy options features the ability to accumulate cash value. Best of all, they’re designed with your individual needs in mind — meaning you choose how you’d like to pay. Single Pay offers the flexibility of lifetime coverage with one premium, while Ten Pay allows you to pay for your policy within 10 years on a frequency that fits your schedule. If it’s better for your budget to pay smaller amounts over the course of your lifetime on monthly, quarterly, semi-annual or annual terms, Life Pay may be the best option for you. Ask us today how our whole life options fit your life insurance needs — and your budget.

 

 

*Coverage is guaranteed provided you make the premium payments as specified in the terms of your policy. If policyholder dies with outstanding loans on policy, the benefit payout will be reduced.

 

This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your agent can explain the policy and benefits and answer any questions you may have before you buy.

What I want to know about life insurance...

Why is life insurance needed?

Life insurance is more than a fundamental part of making a sound financial decision- it is about protecting the people you love. Without life insurance, the loss of a loved one can quickly turn from an emotional situation to a financial one. You can learn more by clicking  here.

 

When do I need life insurance?

Life Insurance rates are determined by age and health, so the longer you wait to apply the higher your premium. Don't put off purchasing life insurance until a major event scares you to action- it may be too late. You can learn more by clicking here. 

Home much life insurance is needed?

Dust off your calculator and check this list to determine the amount of life insurance needed to protect your family. 

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