How do you protect the equity in your home?
Request a Free Personal Equity Protection Quote
Mortgage Protection Insurance
Every Year you grow older, the cost of protection increases
Lock in level premiums
Child policies are very inexpensive
Living Benefits can pay out while you are still alive
Safely protect your retirement
Statistics show that 91% of Home Owners would lose their home to foreclosure if either breadwinner were to pass away.
The Darger Agency is a broker for 40 plus insurance carriers, and can customize protection unique to you, your age, and your health.
HOURS & LOCATION
3701 S. Bumblebee Dr
Cedar City, Utah 84720
Monday - Friday
8:00 am to 6:30 pm
9:00 am to 12:00 pm
Evenings by Appointment
Term Insurance is what it sounds like. It is insurance that has a starting date and an ending date. Or in other words, it is insurance for a certain term of years.
It is typically used to protect mortgages, which usually run for 15, 20, or 30 year terms. Some terms are convertible to Whole Life coverage.
Term insurance is very inexpensive because the carriers only pay out on approximately 1% of all policies.
Whole Life Insurance is what it sounds like, it is insurance for your whole life!
It is more expensive than Term Insurance.
It has a cash value component that is a hedge against inflation, and a safe growth of your money for retirement.
What is Whole Life Insurance?
Whole Life Policies and Term Policies
What is Term Insurance?
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
What is Universal Life Insurance?
Debt Free Life
If I could show you how to get out of debt in an average of 9 years or less, including your mortgage and student loans without spending more than you are currently spending, would that be of interest to you?
Are you 100% sure you are going to have enough money to retire on, or do you have some doubt?
A Debt Free Life policy leverages your to get you out of debt faster than you ever thought possible, while saving for retirement at contractually guaranteed 4% interest rate.
A Debt Free Life Policy also grows your death benefit while growing your cash value.
This death benefit provides Living Benefits for the insured. Living Benefits allow an insured to withdraw funds from the Death Benefit if he is diagnosed with a terminal illness, a chronic illness, or a critical illness.