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Life Insurance

Life Insurance Quote Forms

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Life Insurance Information

Protect your most important asset - Your Paycheck!

You have trusted us to insure your property. What's even more important to your loved ones is the security you provide them through your regular earnings. In the event of your unexpected death, how could they replace the monthly income that was so dependable?

Introducing PayCheck Provider, the innovative new program from Smart Choice Life Insurance. If you aren't there, your paycheck amount can continue to cover the costs of a home, food, clothing, transportation, and education for months and years to come.

Please click to watch the following video:   Paycheck Provider Video  When asked to Login to the Web site, use account code SCNCLEE01

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 life insurance professional.

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