Aviva Insurance

There are a variety of reasons to choose Aviva Insurance. For starters, this insurance company is devoted to providing excellent customer service. They help you create an insurance policy that suits your individual needs. And, their representatives do not speak in confusing jargon -- they use everyday language that everyone can understand. If you have questions, there are actual representatives that take your phone calls rather than forwarding you to an automated system. The company is also dedicated to helping the community and its residents improve in a variety of ways.

One type of insurance Aviva insurance offers is life insurance. There are different types of insurance from which you can choose. One is called term life. Term life insurance is coverage that lasts for a specific period of time, also known as the term. It is ideal for families on a budget or those who only need coverage for a certain amount of time. One disadvantage of term life insurance is that it does not build cash value. Term life insurance is ideal for those who need minimum coverage, and those who need a supplement to the policy provided by their employer.

Universal life insurance is another type offered by Aviva Insurance. This type of policy is permanent and covers you for the duration of your life. There are flexible policy options and premiums from which you can choose. Also, this policy builds cash value that may become useful to you. And, it includes a death benefit for your benefactors after your passing. You can access the cash accumulated whenever you need to, and when the benefit is left to your loved ones it is tax free.

Then there is indexed life insurance. This type of insurance gives you growth potential without as much risk. Your cash balance is credited based upon the movement of the market. This type of life insurance is flexible and can be a useful financial tool. It gives you lifelong coverage and is based on upward market movements yet protected from down turns. This policy also builds cash value which can be used for anything you need, which may include home purchases, renovations, college education and more.

Aviva Insurance also offers annuities. An annuity pays you cash every month, and this insurance company has different types to meet your needs. In basic terms, an annuity is a savings plan that lasts a long term period. There are fixed and fixed indexed annuity plans, so you can choose the plan that works best for you. While a fixed annuity increases at a set rate, a fixed indexed annuity grows based on the upswing of the market.

As you can see, Aviva Insurance has all kinds of insurance and financial plans to help you protect your loved ones and meet your goals. The first step is to learn more about the plans offered and speak to a company representative who can answer all your questions and help you figure out what is best for you. Once you decide on a plan, your representative can walk you through the application and approval process, and show you how to use your product to its best advantage.

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