Lorin Walls Insurance Agency, Inc.
Office: (304)-255-7441
E-mail: info@lorinwallsins.com
     
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Life Insurance
  Level Term - Plans with 10, 20, and 30 years of level premiums, increasing thereafter, death benefit remains level. Renewable and Convertible.
Decreasing Term - Death benefit decreases over policy term, 10, 15, 20, 25, and 30 years, premium remains level. Renewable and Covertible.
Annual Renewable and Convertible Term - Premium increase each year, while death benefit remains level for term of plan.
Guaranteed Fixed Term - Fixed guaranteed rate over policy term, 10, 20, and 30 years.

Permanent Life Policies

Universal Life - Policy has more flexibility. You can change death benefit, premium amount, and payment frequency. Has an Account Value that earns tax-deferred interest, current rate reflects market conditions.

Riders on Temporary and Permanent Policies

Disability Waiver of Premium - A rider you add to a policy, to pay premium if policyholder becomes totally and permanently disabled.
Accidental Death - A rider you add to a policy, to pay an additional benefit if death is caused by an Accident, sometimes called double indemnity.
 


Additional Products
  * Individual * Medicare Supplement * Long Term Care * Fixed Annuities*