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	Why do I need life insurance?
	Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. An important feature of life insurance is that there is no federal income tax on proceeds paid to beneficiaries.
	How much life insurance do I need?
	Before buying life insurance, you should assemble personal financial information and review your family's needs. There are a number of factors to consider when determining how much protection you should have. A professional agent can help you determine the amount of life insurance that is right for you, or click here.
	What is term insurance?
	Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term.
	What is permanent insurance?
	Permanent insurance provides lifelong protection and is known by a variety of names, described later. As long as you pay the necessary premiums, the death benefit always will be there. These policies are designed and priced for you to keep over a long period of time. Most permanent policies have a feature known as "cash value" or "cash surrender value". This feature, which is not found in most term insurance policies, provides you with some options.
	What are the advantages and disadvantages of term and permanent insurance?
	Term Insurance Advantages Initially, premiums are generally lower than those for permanent insurance. It's good for covering specific needs that will disappear in time. Disadvantages Premiums increase as you grow older. Coverage may terminate at the end of the term or may become too expensive to continue. Permanent Insurance Advantages As long as the necessary premiums are paid, protection is guaranteed for your entire life. Premium costs can be fixed or flexible to meet personal financial needs. Policy accumulates a cash value that you can borrow against. The policy's cash value can be surrendered in total or in part for cash or converted into an annuity. Disadvantages Required premium levels may make it hard to buy enough protection. It may be more costly than term insurance if you don't keep it long enough
	How do I choose an agent?
	Is the agent licensed in your state? What company or companies does the agent represent? Does the agent have any professional designations? Is he or she a member of a professional association?

Douple Insurance Agency, Inc. is licensed to conduct business in Pennsylvania. The information on this site is a solicitation to conduct business only in the aforementioned state of authority.