Individual Life Insurance

Individual life insurance to suit your lifestyle.

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

 

The most important investment you can make for your family.

Individual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off. We’ll be happy to talk you through the options.

Choosing between term, whole, and universal life insurance.

First, you’ll need to determine the type of life insurance you want to buy, with the most common types being term life insurance, whole life insurance, and universal life insurance. Each has its own way of paying out, and the plan you choose can be best determined by your individual needs.

What is term life insurance?

With term life insurance, you pay regular premiums for a set period and the policy only pays out if you die during this period.

What is whole life insurance?

With whole life insurance, there’s no set period. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.

What is universal life insurance?

Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, if there’s any loan outstanding when you die, the policy’s payout can be significantly affected.

What to consider before getting life insurance.

The premiums you pay depend heavily on your age and medical history, along with the amount you want the policy to pay out. So, it’s important to seek expert advice before committing to life insurance.

Contact us and we’ll walk you through the options and help you to determine if term life insurance, whole life insurance, or universal life insurance are right for you.

CUSTOMERS ARE SAYING...

Great company.
Brad Davis
Brad Davis
Friendly and helpful!
Denise Roberts
Denise Roberts
Terry provided me with information almost immediately. He comparison shopped my policies and I was happy with the results.
Eva Marie Mitchell
Eva Marie Mitchell
Terry and his team will take care of you like you're their only customer.
Mark Riddle
Mark Riddle
always there for me
JIM BEASLEY
JIM BEASLEY
They take the time with you to get best coverage at price you need. Haven't had to file a claim but expect if I have to it will go well.
Jules James
Jules James
Creswell Agency has handled our personal and business insurance for many years. They are quick to handle any issues that come up and always get us the best rates possible.
Tammy Owens
Tammy Owens
WOW! We actually found an insurance company that has our back! Terry reviewed our policy's from another company and found that we did not have the correct coverage for our needs. As a result, we moved ALL of our insurance to Creswell Insurance. Terry is very easy to work with and is always available to answer questions and provides excellent customer service. We now have insurance coverage that better fits our needs and at a reasonable price! Thank you Dave Ramsey for helping us find the Crewell Insurance Agency in Milan, TN!
Dawn Woodruff
Dawn Woodruff
Glad to speak with someone who could answer my questions about coverage without stating they would get back to me.
Buddy Crenshaw
Buddy Crenshaw
Great folks working at Creswell Insurane Agency. Terry has been super helpful and was always easy to get in contact with.
Dale Ables
Dale Ables
Mr. Terry Carrol was very professional and his follow ups where very pleasant not pushy at all it was refreshing. Would and have referred him to others
Matthew Anderson
Matthew Anderson
Friendly local people that will work with you to get you what you need.
Ben Hearn
Ben Hearn
Creswell Insurance Agency is thorough, informative, relatable, knowledgeable, professional, and prompt. I highly recommend Terry Creswell for any and all of your insurance needs!
Tracye Davis
Tracye Davis
Terry is an awesome Agent very. Knowledgeable and fast!
Vernita Mateen (Beautifully Informed)
Vernita Mateen (Beautifully Informed)
Enjoyed working with Terry for my insurance needs.
Deb Kaiser
Deb Kaiser
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“How many people can say their insurance agent has called them after a hail storm went through, first to make sure you are ok, and second to make sure there was no damage? I can!”

- Mandy Latham Robertson

2038 W Van Hook St., Milan, TN 38358

GOT QUESTIONS? CONTACT US!

Your independent agents at Creswell are ready to find you the best coverage!

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