Life Insurance
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What is life insurance?
Life insurance is a financial safety net for your loved ones. If something happens to you, your policy pays out a lump sum—called a death benefit—to your designated beneficiaries. This money can help cover everyday living expenses, mortgage payments, education costs, funeral arrangements, and more.
Every life insurance policy includes four core components:
Insured – The person whose life is protected by the policy. Often, this is also the policy owner and the one paying the premiums, though someone else can take on that role.
Beneficiary – The individual(s), organization(s), or institution(s) who receive the death benefit when the insured passes away.
Premium – The regular payment that keeps the policy active. As long as premiums are paid, the coverage remains in effect. If not, the policy may lapse.
Death Benefit – The tax-free lump sum paid to beneficiaries upon the insured's passing.
Do I need life insurance?
You likely do—especially if you answer “yes” to any of the following:
Do you have a mortgage or other long-term debt?
Do you have a spouse, children, or dependents who rely on your income?
Do you want to maintain your family’s standard of living if something happens to you?
If so, life insurance can help protect the people who matter most.
What are my options?
Term Life Insurance
Coverage for a set period of time (your term)—choose from 10, 15, 20, 25, or 30 years
Affordable premiums locked in for the duration of the term
Pays a benefit only if death occurs during the term
Ideal if you need cost-effective protection during key life stages—like raising kids, paying off a mortgage, or building savings.
Permanent Life Insurance (Whole or Universal Life)
Lifetime protection with guaranteed death benefit
Offers flexible premiums and may build cash value over time
Higher cost compared to term life
Best suited for those seeking long-term financial planning benefits, estate protection, or lifelong coverage.
Why choose Wang Insurance?
We’re not just here to sell you a policy—we’re here to help you make a confident, informed decision.
Our licensed agents specialize in finding solutions for people with health conditions or unique needs.
We guide you through each step of the process—whether you apply online or prefer a paper application.
With access to 60+ top-rated insurers, we match you with reputable companies known for financial strength and reliability.
Let us help you protect your family's future with coverage that fits your life—and your budget.