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New Hampshire Life Insurance

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The Morin Agency Advantage

We are a family owned and operated Independent Insurance agency, located in Alton, NH. We understand the unique needs and concerns of NH residents and we are committed to offering the best product at the best price - delivering the best value to you - the customers who are our friends, neighbors and people we just might see at any time in our small community. This is what has made us successful in establishing long lasting customer relationships from the seacoast in Portsmouth over to Keene all the way up to the Great North Woods of Pittsburg, NH and we look forward to working with you! Learn more about our professional and friendly staff.

What is Life insurance?

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

 

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.

Contact Us

Morin Insurance Agency
28 Homestead Place
Alton, NH 03809
Location Map & Driving Directions
Monday - Friday 8:30am - 5:00pm

Phone: (603) 875-1200
Toll Free: (866) 538-2544
Fax: (603) 875-1201
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