Life Insurance
Personal Life Insurance for You and Your Family
In the 1850s when we began offering insurance, life expectancy was about 18.5 years less than it is today. Although life insurance goes back to ancient Roman times, here in the U.S. it wasn’t available to the working class until the late 1800s. Today, 60% of the population is covered by some type of life insurance policy. We’ve been offering life insurance to our neighbors for more than seven generations.
Nobody likes to think about their own mortality, but many people have life insurance through their employer – coverage that can disappear with a job change. A personal life insurance policy can cover a mortgage, provide for your children’s education, protect a spouse or business partner, and cover funeral or burial expenses.
Gilbert’s Risk Solutions would like to be your personal consultant in looking at your life insurance options. There are two primary types of coverage: Term Insurance, temporary coverage for a set number of years, and Permanent Life Insurance, which offers lifetime coverage.
While we’re proud to call Pennsylvania our home, we’ve helped individuals all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Life Insurance in PA: Types of Coverage
Term Life Insurance
- Increasing
- Decreasing
Permanent Life
- Whole Life
- Universal Life
- Variable Life
- Variable Universal Life
- Survivorship Life
Burial or Final Expense Insurance
Our RISK SHIELD® Process
Insurance alone isn’t enough. Our RISK SHIELD® methodology helps us Consult, Design, Build, and Maintain a complete risk strategy for your fleet – not just a policy.
CONSULT
DESIGN
BUILDING
MAINTAIN
Our Personal Risk Consultant Approach
Most people are too busy living their lives to dwell on potential problems and risks. Yet calamities do occur, and we’d like to help you plan so that your family and assets are protected should the worst happen. Life insurance is a conversation you should have with your spouse – and if you’re a parent, it’s an important protection to secure your children’s future.
Our Approach
We take a consultative, risk management approach to our personal insurance clients. We work with more than 100 insurance companies, so there are many options to consider – we’re here to help you understand and choose the best ones for your circumstances.
Tailored Solutions
We’re experts in life insurance and related financial products and can identify the right solutions for your particular life situation. We all go through various life stages, and our needs evolve accordingly – we’ll help you assess your needs and evaluate the best options for you and your family.
360 Degree Approach
Your personal risk consulting team can help you assess the right options for you and your family from a variety of choices. Your financial security deserves more than a cookie-cutter approach – just ask any of your 3,000+ neighbors who put their trust in Gilbert’s Risk Solutions.
Personal Life Insurance FAQs
Term life insurance provides coverage for a set period of time, while whole life insurance offers lifetime coverage and can build cash value over time.
It depends on your income, debts, dependents, and long-term goals like education funding or mortgage payoff. Our advisors can help you calculate the right amount for your situation.
In many cases, yes – though your rates and options may vary. Our team can help identify carriers and policies suited to your specific health situation.
Yes. While we're based in Sharon, PA, we help individuals nationwide find the right personal life insurance coverage, regardless of where you call home.
Generally, the earlier the better – premiums are typically lower when you're younger and healthier. Major life events like marriage, having children, or buying a home are also common times to reassess your coverage.
