Hunter Insurance

Hunter Insurance

389 Old River Road, Manville, RI 02838

769-9500

http://www.hunterinsuranceonline.com

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Insurance - Financial - Law

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Hunter Insurance joint life insurance While traditional life insurance focuses on individuals, first-to- die life insurance is a joint policy designed for couples It covers both spouses, but it pays only one death benefit at the time that the first spouse dies. This helps the surviving spouse make an easier financial transition to life after the death of his or her mate. The advantages of this type of policy over two separate life-insurance policies is that only one premium needs to be paid, instead of two, and the benefits can be accessed sooner than would be possible with two smaller individual policies. However, since there is only one payout, the surviving spouse cannot leave an additional death benefit to heirs. If you are having difficulty deciding the appropriate life insurance policy to purchase for your circumstances, then talk to one of the agents at HUNTER INSURANCE, INC. We can explain the differ- ences between a term policy, a whole life policy, a universal policy, and a variable policy. We are able to offer you superior coverage at a competitive price. Whether its personal or business, we create insur- ance programs for the individual customer. To learn more, please call 769-9500 or visit our agents at 389 Old River Rd., Lincoln. NOTE: Integrated risk management makes it easier to identify and prioritize the risks that companies face.