Life Insurance

Life insurance is a crucial step in planning for your future
and the future of your loved ones.


It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living. At the Christopher Williams Agency we can customize a solution that is right for you.

Types of Life Insurance

Basically there are two types of life insurance policies – term insurance and permanent insurance.

Term insurance is issued for a set term (5 years – 15 years – 30 years). The premium is level for that set term and then increase upon renewal. Term insurance is valid to age 80 but does increase in cost as you age. Term insurance is useful when you need high amounts of life insurance for a “term”. i.e. to cover a debt or mortgage, while raising your children.

Permanent insurance is issued for your life – the premium stays level while the insurance is in force. There are two parts to a permanent insurance policy – the cost of the life insurance premium and the amount of money you wish to put aside in the policy for future use.

Don't leave your future and your loved ones to chance.

For more information about all our services call 585-586-3060 or contact us
through email. We will gladly give you a free quote on any our your insurance needs.