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Life Insurance

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When you get a quote from the Valento Insurance Agency, you’re actually getting a comparison of quotes from up to 30 top insurance companies. Save yourself the time and hassle of comparison shopping for insurance – we’ll do it for you!

Life Insurance Coverage

Term Life

Term is the lowest cost option but lasts only for a set amount of time, typically 10, 20, or 30 years.

Universal Life

A flexible policy that can be permanent with cash value or act more like a term policy.

Whole Life

A permanent policy that has a cash value component which accrues a certain interest rate.

Return of Premium Term Life

Term life that returns the amount you paid in premiums if the policy is not exercised before the expiration of the term.

Instant Issue Term Life

Term life insurance that can be issued without a medical exam and only requires answering some questions.

Group Life

Coverage for a qualifying group of people, like the employees at a business.

And More

Life Insurance Information

How much life insurance do I need?

To determine how much you need, you should have a conversation with your loved ones to agree on an amount that is suitable if you weren’t able to provide for them. Some things to consider are:

  • How much debt you have. 
  • Do you want to make sure your children’s college is paid for?
  • How much money would your family need to maintain their lifestyle without your income?
  • Funeral costs and time to grieve.

What if I already have coverage through my employer?

Coverage provided by an employer is a great benefit but keep in mind that if your employment status changes, you’ll be required to pay the full premium in order to continue coverage. If you purchase life insurance directly, it doesn’t depend on your employment and you might get better rates.

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