Individual Life Insurance Services with Christensen Group

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Life Insurance

Individual Services

Your legacy. Secured.

What is personal life insurance?

Life insurance is the one product you hope to never use. That's because, should something ever happen to you, life insurance is an asset that provides financial security for your family and those that depend on you.

The amount of life insurance needed varies for everyone as it depends on their unique circumstance and financial goals. Immediate obligations and future income needs should both be considered when determining how much life insurance coverage is enough.

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Our expertise and strategy.

At Christensen Group, we leverage our scale and national distribution capabilities to provide you with excellent choices from among the industry’s leading strategies and products. These include:

Term life insurance

Term insurance is temporary and only provides pure death benefit protection for a specific period of time. Term insurance is the most affordable and does not accumulate cash value.

Permanent life insurance

Permanent insurance is designed to provide lifetime protection. The initial premium for Permanent is higher than Term, but it has the potential to accumulate cash value that can be accessed to help with any lifetime needs.

Income protection

Were we ever to suffer a long-term illness or accident, many of us would be unable to keep up with the cost of a mortgage, rent, or car payments. Income protection is an insurance policy that is designed to provide regular payouts to replace a portion of your income until you are able to return to work or retire.

Estate planning

Estate planning is the act of determining how a person's assets will be managed and distributed after their death. This often includes properties, vehicles, personal possessions, savings, debt, and life insurance.

Future & final costs

Steep medical bills, burial costs, and other end-of-life expenses can be incredibly burdensome on your loved ones. With Future & Final Cost Insurance, you can set aside the money needed to cover these expenses so no one else has to.

Christensen Group Insurance agent meeting with a client in our main conference room

Why do you need personal life insurance? Because imagining the worst is bleak, but planning for it is prudent.

In life, anything can happen. That's why it's best to always be prepared for the worst. Life insurance provides the coverage you need for any stage in life. If you're just starting to build your financial future, it can help you pay off any outstanding debts so those responsibilities don't fall on your loved ones. If you're already financially established, it can help preserve your assets and income so your family won't have to endure a change of lifestyle.

Who should get a personal life insurance policy?

Those with dependents

If you were the provider for your family, your personal life insurance can ensure their lifestyle stays relatively unchanged. That means there will always be food on the table, your significant other won't have to take on a second job, and your children can still afford the best education.

Those who have financial obligations

Financial obligations can come in many different forms, from mortgages and car payments to student loans and credit card debt. Your life insurance can help you posthumously pay off these outstanding expenses so they don't become a burden on your next of kin.

Those who lack sufficient savings

According to a 2016 Federal Reserve Survey, the average American family has less than $40,000 in savings. Should you be unfortunate enough to succumb to a serious, long-term injury or ailment, an Income Replacement plan can help stretch out those savings for as long as you need.

Those who need help with estate planning

Life insurance can play a vital role in estate planning. That's why it's important to have an experienced agent on your side to help you coordinate details, analyze solutions, and continue to evaluate your needs as they change throughout your lifetime.

Those who don't want to burden their loved ones with end-of-life expenses

They say nothing in life is truly free, and unfortunately, the same can be said of death. In America, the average funeral costs are between $6,000 – $7,000, with end-of-life costs adding on roughly another $12,000. Don't let a financial burden be your lasting legacy.

Group of smiling Christensen Group Insurance employees

How we approach personal life insurance.


When you entrust your world to us, we get to know everything about it. From your driving record to your health, we want to know your entire life story so we can guide you toward the right coverage.


Next, we shop around on your behalf and identify the solutions that are right for your needs. Not all carriers are the same, and we know where to look.


Policies often require more data or medical evaluations. We're here to help you locate and assemble all the information you'll need.


We'll show you all the different options for your coverage. Once you have chosen a policy, we will walk you through getting coverage and staying protected.

Speak with an individual services expert.

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