Life & Retirement Insurace

Kiefer & Colbourne Insurance Agency offers a wide variety of life insurance products to protect and manage the risks of life. Place your mouse over a product line to view more information.

Term Life Insurance

Term insurance comes in two basic varieties: level term and decreasing term. The terms “level” and “decreasing” refer to the death benefit amount during the term of the policy. The more popular of the two is level term insurance. A level term policy pays the same benefit amount if death occurs at any point during the term. Common types of level term are: 5-year, 10-year term, 15-year term, 20-year term, 25-year term, 30-year term.

CALL US TODAY 410-546-9388 OR 800-649-3114

Universal Life Insurance

This type of policy offers flexibility. The savings vehicle (called a cash value account) generally earns a money market rate of interest. As money accumulates in your account, you will also have the option of altering your premium payments – providing there is enough money in your account to cover the costs. This can be a useful feature if your economic situation has suddenly changed. However, if you stop or reduce your premiums and the saving accumulation gets used up, the policy might lapse and your life insurance coverage will end. Contact us today for a free life review!

CALL US TODAY 410-546-9388 OR 800-649-3114

Whole Life Insurance

This is the most common type of permanent insurance. It offers a death benefit along with a savings account. If you pick this type of life insurance policy, you are agreeing to pay a certain amount in premiums on a regular basis for a specific death benefit. The savings element would grow based on dividends the company pays to you.

CALL US TODAY 410-546-9388 OR 800-649-3114

Life Survey

Retirement Products

Kiefer & Colbourne Insurance Agency offers a wide variety of retirement products to protect and manage the risks of life. If you're thinking of retirement, savings or protecting you family and assets, please contact us today.

• CDs
• Money Markets
• Savings
• IRA