Care For Those You Leave Behind

A fact of life is that it’s not permanent. At some point, all of us will pass on, leaving others with the burden of final expenses.

On top of the emotional toll of losing a loved one, the bill for a funeral and burial, among other things, can be crippling to your family or next of kin. Fortunately, Life Insurance can help protect these loved ones financially in the event of your passing.

Fleming & Riles Insurance offers plenty of Life Insurance policy options, customized to meet your needs and budget.

Kinds of Life Insurance

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


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.

We Simplify the Search

Fleming & Riles agents simplify the search process of finding just the right insurance for you. We’ll walk you through the policy options and work with you one-on-one to evaluate your risks and help you decide what insurance plan will best fit your budget and unique needs. We’ll shop and compare policies from multiple insurance carriers until we find awesome protection at the best possible price.

Contact Us Today to Start Your Quote!