Life Insurance

Life and Health Insurance Wilmington NC

Life and Health Insurance Wilmington NC is important.  Atlantic Coast Auto can help you find coverage that’s right for you and your loved ones, including permanent life insurance with Living Benefits that you can use this lifetime. Our agents can help you understand your options and figure out how much and what kind is right for you.

Getting Started

What is life insurance and why do I need it?
How much health insurance do I need?
What type of insurance is right for me and my family?

Beyond the Basics

Converting term to permanent
Whole life or universal life
Combining insurance

Servicing Your Policy

Payment options
Manage your policies

Protect the ones you love

You buy life insurance because it is the best way to protect your loved ones.  It’s both a financial and an emotional decision.

Therefore millions of people buy life insurance every year for reasons that are often difficult to express.  At the same time, the reasons are simple and obvious.  That’s the thing about life insurance.  The idea may be simple, but the reasons behind it cut deep, to our very core, almost to an instinctive level.

Life insurance is about taking care of loved ones.  It is about meeting responsibilities and keeping promises.  If you own life insurance, it is because you view it from your family’s point of view, not your own.  You see life insurance as a tool that protects your spouse and children from the potentially devastating financial losses that can result if you die prematurely.

Why Buy Life Insurance

Because you care about your family, you want to ensure their financial security if you’re suddenly not around to do so.  Should you die, the proceeds will help you keep the promises you have made to those people who are important to you.  By protecting their financial future, you’re enabling your loved ones to maintain their lifestyle, if something unexpected should happen to you.

Too often, when an income earner dies, survivors are forced to make tough, dramatic decisions at a time when they may not be emotionally in a position to make good choices.   Life insurance gives survivors a chance to adjust over time rather than need to look right away for a downsized home or new job.  Your life insurance gives your family choices by providing the benefits to help pay off debts, to help meet housing payments, and ongoing living expenses; to help fund college educations for your children or grandchildren and more.

Health insurance: How it protects you from health and financial risks

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.

Health insurance covers essential health benefits critical to maintaining your health and treating illness and accidents.
Health insurance protects you from unexpected, high medical costs.
You pay less for covered in-network health care, even before you meet your deductible.
You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.
If you have a Marketplace plan or other qualifying health coverage, you don’t have to pay the penalty that people without coverage must pay.

Before you make your decision on what type and how much insurance your need, let the agents at Atlantic Coast Auto help.