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Life insurance is a contract between you and an insurance company, where you pay regular premiums, and the company provides a lump-sum payment to your beneficiaries in the event of your passing. This payment can be used to cover various expenses, such as mortgage payments, children’s education, or daily living costs, ensuring your family’s financial stability during a challenging time.

At Richard H. Lovering Insurance, I offer a range of life insurance policies tailored to meet your unique needs. Whether you’re looking for term life insurance, which provides coverage for a specific period, or whole life insurance, which offers lifelong protection and potential cash value accumulation, I have options to suit every situation. I am dedicated to helping you understand the different types of policies and find the right one that fits your financial goals and family requirements.