Life Insurance
Life Insurance Options That Protect Your Family, Future, and Finances
Life insurance provides financial stability for your family by replacing income, covering expenses, and supporting long-term goals. It also creates a simple way to leave a meaningful legacy.
The Ghirardi Agency offers flexible options, including term life, whole life, and children’s plans, making it easy to choose protection that fits your needs now and in the future.
Term Life Insurance
Affordable, straightforward protection for a set period such as 10, 20, or 30 years. Term Life is ideal for covering high-need seasons like raising children, paying off a mortgage, or running a business. When the term ends, you can renew or convert part of your policy to Whole Life without a medical exam, giving you flexibility for the future.
Whole Life Insurance
Lifetime protection that never expires as long as premiums are paid. Whole Life provides guaranteed coverage, level premiums, and cash value that grows over time. You can use your cash value through policy loans for emergencies, opportunities, or supplemental income later in life.
Children’s Life Plans
An affordable way to give your child or grandchild a lifetime of protection and a head start on financial security. Missouri Farm Bureau’s Children’s Life Plan offers lifelong coverage with guaranteed insurability, meaning your child can increase coverage as they grow regardless of future health changes.
What Life Insurance Can Do for You
Life insurance provides financial protection when it’s needed most.
Replace lost income and cover daily living expenses
Pay off debts like a mortgage or student loans
Fund children’s education or future milestones
Provide business continuation or fund buy-sell agreements
Leave a lasting legacy for your loved ones
Flexible Add-Ons That Strengthen Your Life Insurance Plan
Your life insurance can be customized to fit your changing needs. Optional riders like accelerated death benefits, premium waivers for disability, and guaranteed insurability help you stay protected through major life events. You can also add coverage for accidental death or extend protection to your children under one affordable rider, giving you a plan that grows with your family and your future.
Accelerated Death Benefit Rider
Allows access to a portion of your death benefit if you’re diagnosed with a terminal illness, providing financial relief during difficult times.
Waiver of Premium
Covers your premium payments if you become totally disabled, ensuring your policy stays active even when you can’t work.
Guaranteed Insurability Option
Lets you increase your coverage later at major life events such as marriage, childbirth, or buying a home without a new medical exam.
Children’s Term Rider
Adds low-cost coverage for all your dependent children under one rider, simple, affordable, and flexible.
Building Cash Value & Creating a Legacy
Whole Life coverage goes beyond protection, it quietly builds financial strength you can lean on for years to come. The cash value that accumulates inside your policy can serve as a safety net, an opportunity fund, or even part of your retirement strategy.
Over time, this built-in savings component grows tax-deferred. You can borrow against it if an emergency arises, use it to supplement future income, or simply let it build for your family’s legacy. Many of our clients appreciate knowing they have something tangible that grows while offering lifelong protection.
It’s not just insurance, it’s a foundation for generational stability. Whether your goal is to leave behind a financial gift, ease the burden of final expenses, or build long-term wealth for your family, Whole Life insurance is a smart and steady tool to help make it happen.
We’ll help you design a plan that balances today’s peace of mind with tomorrow’s possibilities, so your coverage feels less like an expense and more like a piece of your family’s financial strategy.
Put You & Your Family in Good Hands
Reach out today and we’ll help you find coverage that fits your home, family, or business.