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Life insurance policies leave surviving family members with a sense of certainty, and can help prevent a financial disaster after the loss of a loved one who provided fiscal support. It can be particularly beneficial to those whose spouses will see a reduction in government or employer sponsored benefits. Life insurance not only helps replace lost income, but can help with several other concerns families face in the loss of their loved one:

Final Expenses:

Life insurance can pay for your burial expenses, probate and estate costs, and any debts or medical expenses left behind.

Create an Inheritance:

Those with little assets or cash to pass on to heirs can create an inheritance for their loved ones with a life insurance policy naming specific members as beneficiaries.

Federal and State Taxes:

Benefits can help pay estate or death taxes, eliminating the need for heirs to liquidate assets or accept a reduced inheritance.

Source of Savings:

Some policies can accrue a cash value that can be borrowed upon during the holder’s lifetime. A cash-value policy essentially creates a savings plan, and earned interest is typically tax deferred.

Life insurance policies can be confusing. What is the difference between term and permanent polices? What are the pros/cons of each? Allen Insurance Group can help answer your questions, and find a life insurance policy to suit your specific needs and budget. We believe everyone should have the option for affordable life insurance. For more information, or to receive a quote, call 972.695.4444 or fill out our contact form.

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