Life Insurance

Live freely with the peace of mind that only a life insurance policy provides.

Let's Talk About Your Future

Be There for Your Loved Ones, Even After You’re Gone

Life insurance is the one form of insurance policy that has nothing to do with protecting you, but financially protecting your beneficiaries if you die. There are several different kinds of life insurance, but the most common are term insurance and permanent insurance.

mom and child picking apples

Term life insurance– provides only protection and flexible premiums for a specific period of time, during which, if you die, your beneficiaries will be awarded a benefit. People usually opt for term life insurance until they reach a point where they consider it “safe” to withdraw, such as when their home is paid off or their children graduate from college.

Permanent life insurance– provides lifelong protection to beneficiaries and is priced for you to keep over a long period of time. This type of insurance acquires cash value, and the premiums are usually fixed.

Family Coverage– Musty Barnhart offers comprehensive family coverage options for life insurance, providing peace of mind to policyholders who want to secure the financial future of their loved ones. With tailored plans designed to meet the unique needs of families, Musty Barnhart ensures that members are covered in the event of unexpected circumstances. Whether you’re looking for term life insurance or permanent coverage, their policies offer flexibility and financial protection for all stages of life. This family-oriented approach helps ensure that every member, from young children to aging parents, is cared for, giving policyholders confidence that their family’s well-being is safeguarded.

Purchasing life insurance from our providers gives you a variety of options, including the following:

  • Income replacement during working years
  • Wealth transfer
  • Preservation
  • Tax-deferred Wealth
  • Accumulation
  • Income protection

TYPES WE OFFER:

  • Key Person Life
  • Children’s Life
  • Buy Sell
  • Group Life

WHY IS LIFE INSURANCE IMPORTANT?

Life insurance is important to different people for different reasons. Some people may opt to never have life insurance at all. Depending on your financial goals and family situation, your policies and premiums will differ. If you’re afraid of leaving behind a large debt or taking a safety net away from your beneficiaries, you may want to consider buying life insurance. Call one of our Minnesota and Wisconsin based agents for a free quote today!