Life Insurance, Explained Simply
Life insurance is about the people who count on you. It can help your family keep the house, pay off debts, cover everyday bills and stay on track with plans like college if you’re no longer here to provide. It’s not an easy thing to think about, so we keep the conversation calm, plain and private.
Kelly Childers is a licensed life insurance agent. Our family agency has helped families across Charlotte, Mint Hill and Matthews since 1953.
Term life insurance
Term life covers you for a set period, often 10, 20 or 30 years. If you pass away during the term, your beneficiaries receive the death benefit. Many families choose term coverage while they’re raising kids or paying off a mortgage, because it’s usually the simplest place to start.
Permanent life insurance
Whole life and other permanent policies are designed to last your whole life as long as premiums are paid, and many build cash value over time. They cost more than term coverage for the same death benefit. Permanent life can make sense for long-term goals like final expenses or leaving money to family. We’ll explain how each type works before you decide.
How much coverage do you need?
There isn’t one right number. We’ll talk through your income, your mortgage and other debts, your children’s ages and what you’d want covered, and we’ll help you settle on an amount and term that fit your budget. You won’t get a hard sell.
Who should consider life insurance
- Parents with children at home
- Homeowners with a mortgage
- Couples who rely on two incomes
- Anyone who wants to cover final expenses
Working with an independent agency
We’re an independent insurance agency representing Nationwide and other carriers. That means we can compare life insurance options from many top carriers. Approval, pricing and any medical questions depend on the carrier’s underwriting. Depending on the carrier, your age and the amount of coverage, you may need a medical exam, or the carrier may decide without one.
Common questions
Is term or permanent life insurance better?
It depends on what you need the coverage to do. Term is built for a set period, like raising kids or paying off a mortgage, and permanent is built to last your whole life. We’ll explain both so you can choose.
Can I get life insurance through the same agency as my home and auto?
Yes. We can handle your life, home and auto coverage, so you have one local agency for all of it.
More insurance questions and answers
Let’s talk
Life insurance quotes are done by phone so we can ask the right questions. Call or text 704-545-6700, Monday through Friday, 9 to 5. You’re also welcome to stop by our office at 7130 Matthews Mint Hill Rd in Mint Hill.
