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Colburn & Elk Life and Health InsuranceColburn & Elk offers the best in life and health insurance plans designed specifically for you, your family, or your business. We offer competitive rates, with policies underwritten by reputable companies. Colburn and Elk offers you the choices you need for the life and health insurance plan that are right for you. |
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Term Insurance:Perhaps one of the simplest forms of life insurance is Term insurance. It provides death protection for a stated time period, or term. If the insured dies during the time the policy is in force, the insurance company will pay the proceeds of the policy to the beneficiary. Many term policies are renewable up to a certain age. Each renewal requires a higher premium. And premiums may be adjustable after a certain number of years.Permanent or Whole Life Insurance:This type of insurance is designed to provide protection for as long as a person lives. The most basic form of permanent insurance is whole life, or ordinary life insurance. Premiums usually remain level and generally are payable until the insured dies.Universal life:This kind of insurance offers many of the same advantages as permanent or whole life insurance – long-term insurance protection and federal income tax-deferred buildup of account values. Universal life offers some additional flexibility. Premiums may be increased or decreased as needs and goals change. They can also be skipped if necessary. The amount of insurance can be increased, subject to evidence of insurability, or decreased subject to a minimum policy amount. The Cost for Life & Health Insurance Coverage is dependent upon:
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 Our agency does not just offer health coverage for people needing a permanent plan. We have health insurance companies that provide benefits for those who are:
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