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Individual Life Insurance in Garner NC & Raleigh NC

Reassurance for you and your Loved Ones.

All Insurance Services provides life insurance to individuals in Garner, Raleigh, Smithfield, Clayton, Benson, Fuquay Varina, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At All Insurance Services, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

All Insurance Services offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

All Insurance Services is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with All Insurance Services will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Locations

Garner Office

18 Technology Drive
Garner, NC 27529
Main office: 919-372-3668
Fax: 919-779-5114

Smithfield Office

332 Brightleaf Blvd, Suite B
Smithfield, NC 27577
Main office: 919-229-4685
Fax: 919-938-8081

Our Providers

Testimonials

Never had an experience with another insurance company as I have had with them! All Insurance is VERY helpful with anything that you need to have done!
Leighann Stewart
My personal and commercial business insurance at the best rates and above state minimum limits. I renew over and over I'm very pleased.
Kimberly I. Marin
I would highly recommend Bruce and the staff at All Insurance in Garner, NC. They are very personal with their attention to our insurance needs, professional in their diligence to provide a quality product, and are consistent in their endeavors to keep earning our trust. They are a valued partner with Chance Surveying Company, PA and will continue to be as we grow together.
Kevin Chance
When I recently got my license, they were very helpful in understanding auto insurance and the what the cost was to my parents (They saved them a lot of money too). They also encouraged me to continue to be a responsible student and driver. They showed they care about their customers.
Ginger Monroe
The agent - Kimberly Marin - did a great job for us and due to her extreme caring, investigative work and professionalism we decided to switch to All Insurance Services. Kimberly's help and extra work was very much appreciated.
The Webbs