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Life Insurance in Metairie

Gregory Ricks & Associates is your life insurance specialists in the area of Metairie, La. By looking over your unique situation, we will help you select the best option for you. Contact us today to take steps towards a more secure future.

What’s Life Insurance?

Life insurance is a contract between a person and an insurance agency. The customer pays a certain amount of money at scheduled intervals, which is called a “premium”. In return, the company will pay a lump sum to a designated beneficiary after a specified event (usually the policyholder’s death).

What is the difference between universal & term life insurance? What are their pros & cons?

Term life insurance means the owner of the policy is only required to pay for specific time period, and the benefit only lasts for a certain time.

Universal or whole life insurance is guaranteed for the duration of the owner’s life. If set up correctly, whole or universal life insurance plans provide simple access to funds, while also providing for tax-advantaged growth of wealth.

You can find benefits to both kinds of life insurance. Call one of our Metairie insurance professionals to learn which life solution is best for you.

What are the benefits of owning a life insurance policy compared to investing in other ways?

Depending on our financial circumstance, there will be ups and downs for every investment strategy. In order to make the right choice, selecting an experienced financial advisor is vital.

Who Needs Life Insurance?

Every adult, no matter how old, has a need for life insurance.

Why Should Everyone Buy Life Insurance?

  • Funerals can cost thousands of dollars. Why place that burden on your family?
  • To pay for the expense of children still living at home.
  • Paying off debts that have been left behind, such as mortgages.

These are only a few of the reasons why you need life insurance. Talk to a life insurance professional at Gregory Ricks & Associates today to learn more.