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Life Insurance


Life insurance from Martin & Zerfoss can help you secure your family's financial future by providing the funds they need to cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts and maintain a comfortable standard of living. There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs.

These products are continually changing, so please contact Martin & Zerfoss to receive a individual quote for your needs.

Term Life
Term life insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 10 to 30 years. Other policy life periods are available, including 1 year annual renewable term. Term insurance premiums will not increase during the guaranteed policy time period (term) you select, and pays a death benefit only if you die during that term. This type of insurance generally provides the largest insurance protection for your premium dollar. The insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The coverage terminates if you discontinue your premium payments.

Universal Life
Universal life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments, so the more you pay, the less time you will need to pay. Your premiums cover insurance death benefit, interest, or additional premium, but have a minimum amount each month and lasts the life of the individual. The stated interest on the investment portion changes along with movement in interest rates; moves in 0.25 percent interest steps are typical as banks and other financial institutions make similar moves.

Whole Life
Whole life insurance provides permanent protection for the whole life - from the date the policy is issued to the date of the insured's death, provided that premiums are paid. Premiums are set at the time the policy is issued and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value, which builds over time. Cash value build-up may provide a source for living benefits. For example, it can help pay off a mortgage, a child's education, or cash surrender value if the policy is ever canceled.



This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.

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