Life Insurance

Why Work with Tom Korek Insurance?

Life is unpredictable, but your family's financial security doesn't have to be. At Thomas Korek Insurance, we offer a range of life insurance options tailored to meet your unique needs and provide peace of mind.

✔ Personalized Guidance – I take the time to understand your needs and recommend the best plans for you.
✔ Affordable Coverage Options – Get access to plans that fit your budget without sacrificing quality.
✔ Seamless Enrollment Process – I handle the details so you can focus on what matters most.

📍 Let’s Find the Right Plan for You! Contact me today to explore your health insurance options.

178,000,000

Americans rely on private health insurance for their coverage. (Source: U.S. Census Bureau)

73,000,000

children and adults are covered under family health insurance plans. (Source: Kaiser Family Foundation)

30,000,000

Americans are uninsured, with short-term health plans offering a temporary solution for coverage gaps. (Source: U.S. Department of Health & Human Services)

Term Life Insurance

Affordable coverage for a specific period.

Term life insurance provides protection for a set period, typically 10, 20, or 30 years. It's an excellent choice for covering temporary needs, such as income replacement, mortgage payments, or funding your children's education in the event of your untimely passing.

Key Benefits:

Cost-Effective: Generally lower premiums compared to permanent life insurance.
Simplicity: Straightforward coverage without complex investment components.
Flexibility: Option to convert to permanent coverage in the future.

Example: A 35-year-old non-smoker might secure a $500,000, 20-year term policy for as little as $25 per month, ensuring their family's financial stability during critical earning years.

Explore Term Life Insurance Options

Whole Life Insurance

Lifetime protection with cash value accumulation.

Whole life insurance offers permanent coverage that lasts your entire life, provided premiums are paid. It includes a cash value component that grows over time, which you can borrow against or withdraw, offering a financial resource for future needs.

Key Benefits:

Guaranteed Coverage: Protection that doesn't expire as long as premiums are maintained.
Cash Value Growth: Accumulates over time, providing a potential source of funds.
Fixed Premiums: Predictable payments that remain consistent throughout the policy.

Example: By starting a whole life policy at age 30, you can build substantial cash value by retirement, supplementing your savings or covering unexpected expenses.

Discover Whole Life Insurance Benefits

Universal Life Insurance

Flexible coverage with adjustable premiums.

Universal life insurance combines the permanence of whole life insurance with added flexibility. You can adjust your premiums and death benefit as your financial situation changes, making it a versatile option for long-term planning.

Key Benefits:

Adjustable Premiums: Increase or decrease payments to suit your budget.
Flexible Death Benefit: Modify the coverage amount as your needs evolve.
Cash Value Component: Potential to accumulate cash value based on interest rates.

Example: If your income fluctuates, universal life insurance allows you to adjust premiums accordingly, ensuring continuous coverage without financial strain.

Learn About Universal Life Insurance

Final Expense Insurance

Affordable coverage for end-of-life expenses.

Final expense insurance, also known as burial insurance, is designed to cover funeral costs, medical bills, or other end-of-life expenses. It's a straightforward policy that ensures your loved ones aren't burdened with these costs during a difficult time.

Key Benefits:

Simplified Approval: Often doesn't require a medical exam.
Affordable Premiums: Designed to be budget-friendly.
Peace of Mind: Ensures funds are available for final expenses.

Example: A modest policy can cover funeral expenses, allowing your family to focus on healing rather than financial concerns.

Secure Final Expense Coverage