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The Washwick Agency

2212 Main St
Bethlehem, NH 03574

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860 East Main Street
Riverhead, NY 11901

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Three Questions to Ask Your Agent About Life Insurance

Securing a life insurance policy can seem daunting. Whether you are a resident in Bethlehem, NH, considering buying life insurance, or an existing policyholder seeking to update your plan, The Washwick Agency is here to alleviate your concerns and help you find the right coverage.

Top Questions to Ask Before Obtaining a Life Insurance Policy

A life policy often prompts numerous questions. Here, we tackle three of the most commonly asked ones to help guide your decision-making process:

  • Do I need life insurance? Almost everyone benefits from a life insurance policy, particularly if they are the main income earner in the family. If you are catering to the financial needs of your partner, children, or aging parents, having this protection can provide valuable support in the event of your passing.
  • What coverage level is right for me? Identifying an adequate coverage level depends on factors such as your family size, lifestyle, and whether you are the primary breadwinner. By discussing these aspects with a knowledgeable agent, you will be better equipped to determine your policy’s necessary value.
  • How often should I revise my policy? Life events usually impact coverage requirements. Marriage, buying a house, having a child, or other significant events should prompt consideration of updating your life insurance policy.

The Washwick Agency: Your Trusted Insurance Partner

In the vast arena of life insurance, choosing the ideal coverage to secure your family can be a challenge. The Washwick Agency in Bethlehem, NH is driven by the commitment to help you navigate this process. We aim to help you make the right decisions so you can experience the reassurance of knowing your loved ones are protected.

Life insurance FAQs

Life insurance is something that most people have questions about. It is not the most well-known insurance. At The Washwick Agency in Bethlehem, NH, we want our customers to have as much information as possible when they are making decisions about their insurance. That means we will be happy to answer any questions you have about life insurance. 

Life insurance FAQs

Can my life insurance be canceled?

Yes, it can, and the most common reason is non-payment of the premium. If you are in financial difficulties, it is important to call your carrier and see if there is any way they will work with you. The other reason your policy may be canceled is that you lied on your application. You are required to answer the questions truthfully, and if it is discovered that you haven’t, it could mean your family won’t receive the death benefit if you pass away. 

What is term life insurance?

Term life insurance is life insurance that only has a death benefit, it doesn’t have cash value, and has a term that it lasts for, usually 20 years. At the end of the term, the policy is done. The carrier may offer to continue it, but it won’t be at the same rate as it was when you purchased it. 

When is the best time to buy life insurance?

Life insurance is at its least expensive when you are young and in good health. But, with term insurance, you should buy it at the time when you need it so that it will cover you for the complete time you need it, such as while your children are growing up. 

Schedule A Consultation Today!

You can contact The Washwick Agency in Bethlehem, NH when you need to discuss what your life insurance needs are. Give our office a call or stop by to talk to our experienced independent insurance agents. 

Two Main Types of Life Insurance

When you need to make sure that your loved ones are taken care of after you’re gone, it’s time to get life insurance. You may have no policy at all and need to have one in place, or you may already have a policy and want another one. In either case, it’s a responsible choice to have a life insurance policy.

When you need a policy, give us a call at The Washwick Agency in Bethlehem, NH to learn more. 

Two Main Types of Life Insurance

Term Life

A term life policy is one of the main types of life insurance. It is a popular insurance product because it tends to be far more affordable than the other main type. The low price makes it highly attractive to those who have a strict budget and need to stay within it. Term life insurance does have a drawback, however. It is only good for a specific term. That means that the policy is written to be in effect for a specific number of years. During those years, you’re covered. After they have passed, the policy is no longer good, and you have to apply for another policy to stay covered. 

Whole Life

Whole life insurance works very differently from term life. It doesn’t have a term of time that it’s good for. It can stay in place for as many years as you want it. In fact, if you continue to pay for the policy, the company can’t cancel it. This type of insurance also accrues a cash value. Policyholders can then borrow this amount if it is needed. Many customers love this aspect of these policies. 

Get Your Life Insurance

If you need more life insurance, we’re here to help. Call us at The Washwick Agency in Bethlehem, NH to get started with a policy of your own. 


Servicing States

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  • New Hampshire
  • Maine
  • Vermont
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  • Maryland
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