Cornerstone Agency Services has merged with Union Bay Risk Advisors. Same exceptional service with a broader range of insurance choices!
Union Bay - Cornerstone Co-Branded Logo-fotor
We got you covered

Individual Life Insurance

Don't leave everything to chance; keep yourself protected with an insurance
Get Started
Cornerstone Agency Services, LLC/ individual life insurance

Individual Life Insurance Provided By Our Agency

Everyone deserves to have a secure financial future, which is why life insurance is so critical. Whether you're just starting out or getting ready to retire, a life insurance policy can help you offer financial security for your family if you're no longer there to provide for them.

What is Individual Life Insurance?

Life insurance policies help provide security to you or your beneficiaries after you pass away or after a designated period. With a life insurance policy you can help secure your family’s financial future by paying for college, paying off a mortgage, covering any final expenses or estate taxes, and more.

What are the different types of Individual Life Insurance coverage?

There are four primary types of life insurance, and each has a place in any sound financial plan. The four variations of life insurance are:


Term Life Insurance – fixed premiums for a fixed period, like 10 or 20 years


Whole Life Insurance – permanent insurance, as long as premiums are paid, with fixed premiums and cash value benefits


Universal Life Insurance – permanent insurance with options to change premiums and death benefits


Variable Life Insurance – similar to Universal Life but with the flexibility to choose investment risks to maximize cash value benefit

The Importance of Individual Life Insurance

Life insurance is essential, as it protects your family and lets you leave them a non-taxable amount at the time of death. It is also used to cover your mortgage and your loans, such as your car loan. In addition, your life insurance follows you when you retire, and your employer no longer insures you. This insurance will also replace your family income when resources are less, and you are not around, so they can maintain their quality of life.

Once you understand the significance of purchasing life insurance, you must make the appropriate decision. To accomplish this, you must assess your demands and choose a product that is appropriate for your family as well as insurance rates that are within your budget. Then get in touch with us to learn more.

Already have Individual Life Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
Request a Quote

Get Personalized  Insurance

First and Last Name:(Required)
Can we text you?(Required)
"By submitting my phone number, I hereby authorize Cornerstone Agency Services to communicate with me through text messaging."
MM slash DD slash YYYY
For Personal Insurance:
Select one or as many as you are interested in.
For Commercial Insurance:
Select one or as many as you are interested in.
This field is for validation purposes and should be left unchanged.
We extend coverage to individuals and businesses in 
Pennsylvania, New Jersey, and Florida.
Toll Free - (888) 499-2762

Direct to Branch Offices:
Lancaster, PA (717) 898-5982
Moorestown, NJ (856) 499-5191
Elkins Park, PA (215) 298-9398
Philly, PA (267) 678-1705
Tampa, FL (813) 330-5707
Mt Pleasant Mills, PA (570) 539–2758
Garnet Valley, PA (484) 301-3292
Altoona, PA (814) 979-1480
Ebensburg, PA (814) 615-7992
© 2024 Cornerstone Agency Services, LLC
Privacy Policy
Get Quality and Affordable Insurance
Get QuoteContact Us
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram Skip to content