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Life Insurance - Prepare For the Unexpected

Multiple Locations to Serve You: Oswego, Fulton, Brewerton, Mexico and Clayton, New York

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. 

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Term Insurance

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Whole/Permanent Insurance

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.



 Thank you for your interest in OVIA Insurance Agencies. We offer quick and easy quote forms above for your convenience or you can email your questions and an insurance agent will reply promptly.




Towns and Villages served by Oswego, Fulton, Phoenix, Mexico, Brewerton Offices:
Oswego, Fulton, Albion, Amboy, Boylston, Constantia, Granby, Hannibal, Hastings, Mexico, Minetto, New Haven, Orwell, Palermo, Parish, Redfield, Richland, Sandy Creek, Schroeppel, Scriba, Volney, West Monroe, Williamstown, Central Square, Cleveland, Lacona, Parish, Pulaski, Syracuse, Brewerton, Camillus, Cicero, Clay, DeWitt, Elbridge, Fabius, Geddes, LaFayette, Lysander, Manlius, Marcellus, Onondaga, Otisco, Pompey, Salina, Skaneateles, Spafford, Tully, Van Buren, East Syracuse, Fayetteville, Jordan, Liverpool, Minoa, North Syracuse


Villages and Towns served by Clayton Location:

Watertown, Adams, Alexandria, Antwerp, Brownville, Cape Vincent, Champion, Clayton, Ellisburg, Henderson, Hounsfield, Le Ray, Lorraine, Lyme, Orleans, Pamelia, Philadelphia, Rodman, Rutland, Theresa, Wilna, Worth, Alexandria Bay, Black River, Carthage, Chaumont, Deferiet, Dexter, Evans Mills, Glen Park, Herrings, Mannsville, Sackets Harbor, West Carthage, Ogdensburg, Brasher, Canton, Clare, Clifton, Colton, De Kalb, De Peyster, Edwards, Fine, Fowler, Gouverneur, Hammond, Hermon, Hopkinton, Lawrence, Lisbon, Louisville, Macomb, Madrid, Massena

   

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Fulton Office: 60 So First Street | Fulton, NY 13069 | Phone: 315.343.6310

Licensed in the State of New York as Oswego Valley Insurance Agencies LLC
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