Life Insurance Policies

For more than 65 years, Gallen Insurance has worked with customers throughout the greater Reading area of Pennsylvania and beyond to meet all their Life Insurance needs.

We are an independent insurance agency that specializes in creating custom insurance plans focused on meeting your needs.

We make packages for individuals as well as businesses, no matter how large or small. We use our unmatched knowledge of the industry to find and compare plans, noting the best coverage and costs.

You can trust Gallen Insurance to look out for your interests. We are a dependable, local company with deep roots in the area. We care about our customers and want to offer them the best protection in the event something happens.

Our team works with multiple insurance providers to ensure you get the best possible life insurance policy. Turn to Gallen Insurance to order a new life insurance plan or upgrade the one you already have.

How Does Life Insurance Work?

Protecting your family means finding ways to provide for them if something happens to you. While no one likes to think about that possibility, it’s prudent to plan ahead.

Life insurance is a contract you enter with an insurance provider. When you buy life insurance, you pay your carrier a monthly premium, and if you die, the insurance carrier will give a predetermined sum to your family. You can choose from a range of different plans, including whole and term life insurance, which has a firm ending date. Grasping the nuances of a policy can help you determine which one to purchase.

There are many benefits of a life insurance policy, and these tips may help you understand why it is crucial to consider adding this coverage.

Offers Financial Security

~ When you pass away, your life insurance policy not only offers those who have been left behind financial security, it also gives them peace of mind. The death benefit can help them with bills, past debt, mortgage payments, college tuition and more.

Funeral Costs

~ In the US, the average funeral cost is between $6,000 and $10,000! That alone could cause those left behind hardship if you are unprotected.

Unexpected

~ Premature death can occur at an unexpected time. As difficult as this will already be for your family, don’t leave them empty-handed and un-secure. Help your family overcome this difficult situation by helping provide income for your spouse, help your family to continue their lifestyle and pay future bills.

Tax Advantage

~ Life insurance also has tax advantages as the beneficiary will not have to pay taxes on any death benefit they receive.