Life Insurance

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simple protection for what matters most

Life Insurance for Families in Southern Indiana

Life changes quickly, but the right coverage can help protect what matters most. At HBS Insurance, we help families across Jeffersonville, Clarksville, and the Louisville area choose life insurance plans that provide financial security and peace of mind for the years ahead. Whether you’re starting a family, planning for retirement, or protecting a small business, our agents will guide you through your options with care, clarity, and honesty.

What We Can Help You With

Types of Life Insurance We Offer

We believe choosing a policy shouldn’t be confusing or uncomfortable — it should give you confidence and peace of mind knowing your family’s needs are covered.

Term life insurance

Provides coverage for a set period (10, 20, or 30 years) and is often the most affordable choice for families. It’s ideal for covering temporary needs like a mortgage or children’s education.

Whole life insurance

Offers lifelong protection with a fixed premium and a cash value component that can grow over time. It’s often used for long-term planning or building value you can borrow against later.

Universal life insurance

Combines lifetime coverage with flexible premiums and investment potential. You can adjust your policy as your financial needs change.

Final expense insurance

Helps cover funeral costs and other end-of-life expenses, easing the financial burden on your loved ones.

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protection that grows with your family

Frequently Asked Questions

  • When should I buy life insurance?

    The earlier, the better. Premiums are generally lower when you’re younger and healthier, but it’s never too late to start coverage.

  • How much life insurance do I need?

    It depends on your financial goals, family size, and income. Our agents can help you calculate an amount that meets your family’s needs.

  • Can I adjust my coverage later?

    Yes. Many policies, especially universal life, allow adjustments as your life changes — like buying a home, having children, or retiring.

  • Do I have to take a medical exam?

    Not always. Some policies offer simplified or no-exam options depending on the coverage amount.