Capacity Coverage of Warwick
Protecting Your Family for the Long Haul

While many people believe life insurance is simply a means to secure your family in the event of your untimely passing, this coverage can actually be used to build cash for a future event including retirement, estate taxes, college tuition, and more. To obtain the rewards both during your lifetime and after your passing, Capacity Coverage of Warwick offers life insurance policies aligned with your objectives.

Term Life Insurance: Valuable Coverage at Affordable Rates

Designed to provide a death benefit in the event of your premature death, term life insurance offers protection for a certain period of time. At Capacity Coverage of Warwick, we offer term life policies in 10-, 15-, 20-, 25, and 30-year terms. We provide the most valuable coverage paired with affordable premiums to get the most for your investment. Choose a term that coincides with the years your family would be most financially vulnerable, along with an amount they would need if you were no longer there to provide for them. The payout would replace your income and help your family pay for services you use now, such as child care.

In addition, we offer Return of Premium Term policy, which provides you with a death benefit protection and returns the entire premium paid into the policy at the end of your term.

Whole Life Insurance: Peace of Mind for Your Family Means Everything

In addition to our term life insurance policies, we also offer whole life insurance that lasts your entire lifetime and includes an investment component known as the policy’s cash value. The cash value grows slowly, tax-deferred, meaning that you won’t pay taxes on its gains while they’re accumulating. If you find that this policy type works best for you, you will pay a fixed premium each month until your passing, and it’s guaranteed to remain in force for your entire lifetime.

Universal Life Insurance: Earn Cash Flow, Protect Your Loved Ones

Guaranteed universal life insurance combines life protection with cash value that accumulates tax-free as long as the policy is in force. Any accumulated cash value in your policy may be borrowed against by way of a policy loan and used to provide living benefits. Universal life insurance policies offer flexible premiums that may allow you to adjust how much you’ll pay each year, by accessing some of the policy’s cash value (though you will need to pay the minimum premium amount or the policy will lapse). Depending on your policy’s potential cash value, it may be used to skip a premium payment, or be left alone with the potential to accumulate in value over time.

Whatever your current and future needs are, Capacity Coverage of Warwick is here to help. We understand that every individual’s needs vary, which is why we’re proud to provide numerous types of life insurance policies to fit your unique circumstances. Let us work for you to provide you and your family with the peace of mind you deserve.