Call 913-815-1725 Kansas
Call 816-454-8833 Missouri

Individual Life Insurance in Overland Park and Olathe, KS.

Peace of Mind for you and your Loved Ones

Marla Williams Agency provides life insurance to individuals in Overland Park, Olathe, Merriam, Lenexa, Kansas City, North Kansas City, and surrounding areas.

Individual Life Insurance

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Marla Williams Agency, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve. 

Types of Individual Life Insurance

Marla Williams Agency offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It is a benefit policy that is used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life, variable life, or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.?

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of the policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. 

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It is important to note that changes to your universal life policy can affect its guarantees and limits.

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

Marla Williams Agency is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That is why it is important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Marla Williams Agency will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

 

Kansas Location

7269 W 97th Street

Overland Park, KS 66212

Main office: 913-815-1725
Fax: 913-273-1606

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Missouri Location

315 E 18th Avenue

North Kansas City, MO 64116

Main office: 816-454-8833
Fax: 816-421-8843

Office Hours:

Mon: 9:00 AM - 4:30 PM
Tues: 9:00 AM - 4:30 PM
Wed: 9:00 AM - 4:30 PM
Thurs: 9:00 AM - 4:30 PM
Fri: 9:00 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Marla Williams at Nationwide made my life easy. She is the definition of excellent customer service! Thanks Marla!
Anonymous
I needed to get a LLC liability policy in place very quickly. The agency did a great job of working with me to make it happen. I appreciate the timeliness and quality of work!
JeffL
Your products are good but, I do business with your company because Marla Williams is my agent.
Anonymous
Initially I went to Nationwide for auto coverage. My agent has been proactive in providing me with information about the discounts that occur when homeowner and other coverages are also purchased through Nationwide. Excellent agent!
Nadine
This agency and staff has provided myself, and family members, excellent value for our insurance. The service, products and pricing as a package, is one of the best insurance experiences I have ever experienced. I have, and will continue to recommend this agency.
Lawnman
Switched my auto and home insurance over to Marla Williams. Very quick and accurate rates. Had my policy switched over in no time with no worries any question I had was answered promptly.
jrsemidey09
Our car had hail damage from the storm in late March. Response to my initial call was immediate and within 3 days an agent came to my place of business and settled the claim. He has also followed up since the claim was settled. We have also opened a claim for roof damage. It will be 10 days before they can come to our home to look at the potential damage but have kept us informed of the process and the timeframe.
Chatty1972