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LIFE INSURANCE

Ensuring your family’s security is essential. Have you considered your legacy?
Do you have the right amount of life insurance for your loved ones? At Banterra Insurance,
we can easily present to you various cost options and show you the benefit of having
life insurance not only for your family, but also to provide you with the financial
means to do the things you dreamed of during retirement.

term insurance link

DISABILITY

UNIVERSAL/WHOLE LIFE

TERM LIFE

Term Life Insurance

Term life insurance provides temporary financial protection for your loved
ones during your working years. The death benefit pays money directly to
your beneficiaries to help with funeral costs and ongoing financial obligations
such as daily living expenses, child education and mortgage payments.

 

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Why Banterra Insurance?

It’s important to leave a legacy for your loved ones, and with Banterra Insurance,
we work with the nation’s leading insurance brands to provide you with the
financial security and personal service that you deserve.

COVERAGES AVAILABLE

 Term Life

Features your choice of term periods with guaranteed level premiums for 10, 15, 20, or 30 years and coverage expiring at age 95.

Universal / Whole
Life

A highly competitive, flexible and permanent protection guaranteed death benefit and strong cash accumulation.

Disability

Provides coverage in case you are not able to work due to sickness or injury.

 Term Life

Features your choice of term periods with guaranteed level premiums for 10, 15, 20, or 30 years and coverage expiring at age 95.

Universal / Whole
Life

A highly competitive, flexible and permanent protection guaranteed death benefit and strong cash accumulation.

Disability

Provides coverage in case you are not able to work due to sickness or injury.

CDs & Money Markets Are Another Way
To Plan For Your Family’s Future

Banterra Bank offers competitive rates on CDs and Money Market accounts, making it a great way
to save money for the unexpected. Click here to learn more, or stop by a Banterra branch to speak
to a representative about these accounts and any special promotions.

DISCOUNT CONSIDERATIONS

Life insurance typically doesn’t offer discount options, but here are things to consider.

  • You can often get discounts with vehicle, home, and business insurance if you have life insurance with the same carrier.
  • Life insurance rates are based on whether a customer is a smoker or nonsmoker, in good health, and weight is also a factor.  A nonsmoker in good health may be eligible for Preferred or Super Preferring rating class with some carriers.
  • There are always economies when you pay your insurance bill for the full year vs. monthly payments.
  • Accident Free Discount – No accidents within the last three and five years depending on company.
  • Education Discount – A discount based on level of education achieved.
  • Good Student Discount – A discount for the younger driver getting good grades in school.
  • Defensive Driver Discount – A discount for taking a defensive driver course.
  • Mature Discount – A discount based on your age attained.
  • Student Away at School Discount – Discount option if your child leaves his/her vehicle at home while they live at school away from primary residence.
  • Teen Driver Monitoring Discount- A discount for having a monitoring device in your teen vehicle to check driver habits.
  • Low Mileage Discount – A discount for drive less than a set number of miles a year.
  • Group Discount – A discount for belonging to a certain group or organization
  • Company Car Discount – A discount for having a company car you drive for work.
  • Driver Activity Monitoring Device Discount – A discount for installing a device in your vehicle to check braking, time of day traveling and other activities they may better determine driving habits.
  • Air Bag Discount – A discount for your vehicle having an air bag.
  • Anti-Lock Discount – A discount for having anti-lock brakes.
  • Anti-Theft Discount – A discount for your vehicle having an anti-theft system.
  • Paperless Discount- A discount available when you have having insurance bills sent to email address instead of mailed.
  • EFT Discount – A discount for paying your bill out of your checking account.
  • Paid-In-Full Discount – A discount for paying your entire bill for a six month or annual basis.