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Life insurance will provide financial protection for your family in the event of your death. It is the essential
component in planning for your family's future and is the most important thing you will ever do for those who
depend on your ability to earn an income.
There are two types of life insurance:
Term life Insurance the most affordable protection available and is designed to meet a temporary need.
Term life insurance will provide coverage for a specific period of time (the term) and pays the full benefit if
you die during the defined time period. Term life makes sense when you have a large need for insurance
that will disappear at a specific point in time. For example, you may need a significant amount of life
insurance until your children graduate from college, your mortgage is paid off or for income replacement
during your top earning years. Term life insurance policies are available in 1, 5, 10, 15, 20 and 30 year
time periods.
Permanent life insurance policies, also known as whole life, provide lifelong protection. As long as you pay
the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.
Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for
you to keep over a long period of time.
How much life insurance do you need? Let our life insurance calculator help you determine your need.
What type of coverage is right for you? Click here to get started.
component in planning for your family's future and is the most important thing you will ever do for those who
depend on your ability to earn an income.
There are two types of life insurance:
- Term life insurance
- Permanent life Insurance
Term life Insurance the most affordable protection available and is designed to meet a temporary need.
Term life insurance will provide coverage for a specific period of time (the term) and pays the full benefit if
you die during the defined time period. Term life makes sense when you have a large need for insurance
that will disappear at a specific point in time. For example, you may need a significant amount of life
insurance until your children graduate from college, your mortgage is paid off or for income replacement
during your top earning years. Term life insurance policies are available in 1, 5, 10, 15, 20 and 30 year
time periods.
Permanent life insurance policies, also known as whole life, provide lifelong protection. As long as you pay
the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.
Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for
you to keep over a long period of time.
How much life insurance do you need? Let our life insurance calculator help you determine your need.
What type of coverage is right for you? Click here to get started.
Life Insurance
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| Trout Insurance is a full line insurance agency located in Asheville, NC. Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for individuals as well as college funding and retirement planning. Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance. Christopher Smith specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health insurance, disability insurance, long term care insurance, group long term care insurance and critical illness insurance. Dave Trout specializes in life and disability insurance, Medicare supplement insurance, retirement planning for individuals and businesses, commercial business insurance and college funding. Jan Trout specializes in individual health insurance. Ralph Redpath specializes in home and auto coverage. Web site design by Christopher Smith. Agency photo by Jason Sanford. |
