Life Insurance
Protection that Lasts for Life
Life and Disability insurance isn’t just about preparing for the unexpected. It’s about protecting the people who matter most. We help individuals and families in Bowling Green, Warren County, and surrounding Kentucky communities choose life and disability insurance policies that bring lasting peace of mind. Whether you’re planning ahead or just starting to explore your options, we’ll guide you every step of the way.
We believe the right coverage should do more than check a box. It should create a safety net you can count on. That’s why we often recommend pairing life and disability insurance as part of a complete protection plan. If something happens to you, life insurance can help your loved ones stay financially secure. If you’re unable to work due to illness or injury, disability insurance can help replace lost income and keep your household on steady ground. We’ll help you understand how both work together so you can make a confident decision that protects everything you’re building.
Life insurance policies come in different forms, each designed to meet specific needs. Here are some of the most common types of coverage we provide:
Provides coverage for a set period of time (10, 20, or 30 years) and is often the most affordable option for young families or individuals.
Offers lifetime protection with fixed premiums and a guaranteed payout. These policies also build cash value over time.
A flexible option that combines lifelong coverage with the ability to adjust your premiums and death benefit as your needs change.
Specifically designed to cover funeral costs, medical bills, or other end-of-life expenses so your loved ones aren't left with the burden.
Provides income protection if you’re unable to work due to illness or injury, helping you keep up with everyday expenses.
Ask us about additional coverage features like accelerated death benefits, children’s term riders, or waiver of premium riders for added flexibility and protection.
It depends on your goals, income, debts, and family situation. A general rule is to aim for coverage that’s 7 to 10 times your annual income, but we’ll help you find a number that makes sense for you.
Term life covers you for a specific number of years, while whole life offers permanent coverage and builds cash value. Each has its benefits, and we can help you decide which fits your goals and budget.
Life insurance is often more affordable when you’re younger and in good health, making it a smart way to lock in lower rates and plan ahead.
Many policies allow for adjustments, especially with universal life insurance. If your needs change, we’ll help you review your options and make updates as needed.
In most cases, life insurance benefits are paid out income-tax free. We can explain how your specific policy may be treated and help you avoid surprises.
Lance is a great agent! He was able to find us the best price for home and auto insurance. I shopped around and tried to do better, but really couldn’t find a better deal. Ingram insurance saves me a lot of time and effort shopping for insurance and is only a call away if I ever need anything.
My auto insurance went up so I decided to call Ingram Insurance. I was shocked, in a good way at the price difference for better coverage. Needless to say, I switched to Ingram Insurance. Nate Estes made the whole process so easy. I really appreciate that! Way to go Ingram and Nate!!
My experience with Nate at Ingram insurance was first rate. I called from out of state to get auto insurance for my daughter who lives in KY. Nate was very helpful, knowledgeable and timely with all of the questions I had and was able to secure a good rate for my daughter’s car insurance. I would definitely recommend them!!
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