Terra Insurance Services Is Now a Proud Geico Partner. Get a Geico Quote Today!
Menu
Terra Insurance Services Is Now a Proud Geico Partner. Get a Geico Quote Today!
Solutions to ensure your loved ones have what they need.
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
Individual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off. We’ll be happy to talk you through the options.
First, you’ll need to determine the type of life insurance you want to buy, with the most common types being term life insurance, whole life insurance, and universal life insurance.
Whole life insurance provides coverage for an individual's entire life and may be beneficial for those who own a home or are planning for retirement. Learn more.
Whole life insurance provides coverage for an individual's entire life and may be beneficial for those who own a home or are planning for retirement. Learn more.
Universal life insurance combines the low-cost protection of term life insurance with the savings element of whole life insurance. Learn more.
Before purchasing individual life insurance, it’s important to understand what term life insurance is and how it can benefit you.
To put it very simply, with term life insurance you pay regular premiums for a set period and the policy only pays out if you die during this period.
If you have concerns about your loved ones paying for your funeral costs or being burdened with mortgage or credit card debt, or if you worry about leaving behind unpaid medical bills or household expenses, then individual term life insurance from Terra Insurance Services may be the answer for you.
With Terra, you can choose from a variety of term lengths and coverage amounts, including the easy-to-purchase option and level term insurance.
Level term insurance provides coverage for a set period of time, and the face amount of the policy and premium payments remain level for that time period.
Moreover, you’ll also have the opportunity to convert your term policy to a permanent life plan, which provides coverage for your whole life. We guarantee this conversion privilege regardless of health, occupation, or hobbies.
Terra is the leading individual life insurance company for Pennsylvania, Florida, Maryland, and New Jersey.
Let our experts help you to select an individual life insurance policy that best suits your needs. Our independent agents will compare rates across leading insurers and present you with individual term life insurance quotes that fit your budget.
As life circumstances change, so does the type of life insurance you require.
While term life insurance covers a specific period, whole life insurance provides coverage for an individual’s entire life and may be beneficial for those who own a home or are planning for retirement.
With whole life insurance, you usually pay regular premiums until you die, at which point the policy pays out. Sometimes, you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
Terra Insurance Services offers individual whole life insurance policies with important features, such as guaranteed coverage and cash value, stable premiums, and an accelerated death benefit option for terminal illness.
Furthermore, whole life insurance is suitable for individuals of all ages, with policies issued from 15 days after birth to age 85.3, providing peace of mind and financial protection for loved ones.
For instance, whole life insurance for children offers future insurability, cash value, and affordable rates. For people in their 30s and 40s, whole life insurance can provide a means to convert from term life, cover final expenses, and maintain loved ones’ lifestyle. If you are 50 or older, whole life insurance can support the sandwich generation, provide for unexpected needs, and supplement retirement income.
Your Terra agent will help you choose the amount of your coverage, from $10,000 to up to $10 million. Plus, with six payment duration options to choose from, you’re in control of how long you pay for your policy.
Finally, Terra Insurance Services offers guaranteed coverage and premiums for the duration of the policy. A customized whole life insurance policy can help with final expenses, unpaid debt, retirement income, or leaving an inheritance, resulting in a growing cash value that can be accessed if required.
Find out why Terra is the number one individual life insurance company in Pennsylvania, Florida, and New Jersey.
Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, if there’s any loan outstanding when you die, the policy’s payout can be significantly affected.
Furthermore, universal life insurance combines the low-cost protection of term life insurance with the savings element of whole life insurance. This insurance can assist your family with immediate cash for funeral expenses or be utilized for business purposes, charitable gifts, or inheritance.
Additionally, universal life insurance can help with income replacement, estate planning, college expenses, inheritance or wealth transfer, charitable giving, debt payment, deferred compensation, retirement income planning, business continuation coverage, and key person coverage.
At Terra, our universal life insurance policies feature payment flexibility, guaranteed level death benefit, guaranteed interest rate, policy loans with tax-free income potential, and guaranteed cash value. The coverage lasts your entire life and includes a policy cash value that can be borrowed against or withdrawn without incurring interest expenses. The death benefit can also be adjusted higher or lower without your having to purchase a new contract.
As a top-rated individual life insurance company, speak with one of Terra’s licensed agents. We can help you determine the best type of life insurance coverage to meet your financial goals.
Many people think that filing and settling an insurance claim is a complicated process. However, at Terra, our experts work closely with you to ensure a stress-free experience.
Prior to buying your individual life insurance policy, we will provide guidance on the terms, conditions, renewals, features, and benefits. Should you need to file a claim, rest assured that we are committed to settling all valid claims promptly and with transparency.
As a top-rated individual life insurance company, we prioritize trust. Allow us to assist you!
Terra understands that everyone’s insurance requirements are unique; therefore, we never offer a one-size-fits-all solution. Our skilled insurance consultants will collaborate with you to determine your needs and suggest custom-made insurance solutions that fit your budget.
We will start by creating a suitable life insurance plan for you, whether you need term, whole, or universal life insurance. As a company of independent insurance agents, we can help you explore cost-effective, quality insurance options.
Next, we will develop a strategic plan to manage and protect your assets. Throughout the process, we will provide you with prompt and knowledgeable insurance advice.
Finally, we will analyze insurance applications and handle claims, while maintaining an updated client file that you can easily access.
Discover the Terra difference. We are the leading individual life insurance company, proudly serving clients throughout Pennsylvania, Florida, and New Jersey.
Death is a difficult subject to broach, but it’s something that will inevitably affect loved ones in the long run. This is why it’s crucial to ensure that your individual life insurance policy offers sufficient coverage to protect them.
At Terra Insurance Services, an independent individual life insurance company with branches in Philadelphia, PA, Brickell, FL, and Cape Coral, FL, we specialize in providing personalized individual life insurance plans tailored to your situation.
As an independent insurance agency with access to the nation’s top insurance carriers, we offer quality products to meet your needs and budget.
In addition to individual life insurance plans, Terra Insurance Services offers comprehensive personal insurance and business insurance. With an extensive selection of over 50 insurance products to choose from, we stand ready to meet all your insurance needs.
These products encompass a variety of insurance options, such as home, auto, travel, pet, rental, individual and group health, general liability, workers’ compensation, builders risk, landlord and vacant condo insurance, and much more.
If you want the leading individual life insurance company with extensive experience in personal and business insurance, trust Terra. We are proud to serve clients throughout Pennsylvania, Florida, and New Jersey.
We’ll thoroughly assess your business and insurance needs to develop creative, comprehensive, cost-effective solutions.
As a top-rated insurance agency, Terra Insurance Services offers complete protection for your business. For instance, we provide vital coverage to carry your business through any crisis, including property damage and liability claims.
Moreover, in some states like Pennsylvania, Florida, and New Jersey, businesses are required to have certain types of business insurance, such as workers’ compensation insurance.
Let us identify gaps in your coverage and protect your assets!
Our goal is to protect you from the unexpected through top-quality personal insurance coverage that works for your needs, as well as your budget.
Whether you need home or auto insurance, gap coverage, identity theft protection, or something else entirely, we’ve got you covered. As the top-rated Philadelphia insurance company, we also serve clients throughout Pennsylvania, Florida, and New Jersey!
Terra Insurance Services offers comprehensive solutions in four key states, making us the best choice for your personal or business insurance company proudly serving individuals and businesses located in:
By choosing Terra Insurance Services, you are teaming up with independent agents who are dedicated to finding suitable insurance carriers for your specific requirements.
Moreover, our team of insurance experts will stand by you in the event of any loss, ensuring that you receive timely, equitable payment and service.
In addition, we represent a carefully selected group of financially robust, reputable insurance companies that offer a range of products to fulfill all your insurance needs, from life insurance to personal or business insurance. Our focus is consistently on providing our clients with the most comprehensive coverage at the most competitive rates.
If you are searching for the area’s top individual life insurance company, look no further than Terra Insurance Services. Our services are available to clients throughout Pennsylvania, Florida, and New Jersey.
By choosing Terra Insurance Services, you are teaming up with independent agents who are dedicated to finding suitable insurance carriers for your specific requirements.
Moreover, our team of insurance experts will stand by you in the event of any loss, ensuring that you receive timely, equitable payment and service.
Read what customers are saying about Terra, the number one individual life insurance company in Pennsylvania, Florida, and New Jersey:
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit.
