Individual Life Insurance

Peace of Mind for You and Your Loved Ones.

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 ensure that the family home stays in the family.

At Quamme Insurance Services, LLC, 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

Quamme Insurance Services, LLC 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’s a benefit policy that’s 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 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’s 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.

Quamme Insurance Services, LLC 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’s why it’s 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 at Quamme Insurance Services, LLC 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.

Our Locations

Columbus Location

1130 Park Ave
Columbus, WI 53925
Main office: 920-623-5787
Toll free: 888-753-9232

Beaver Dam Location

Quamme Insurance
Beaver Dam, WI 53916
Main office: 920-887-8868
Toll free: 888-753-9232

Poynette Location

Quamme Insurance
Poynette, WI 53955
Main office: 608-635-8001
Toll free: 888-753-9232

Our Providers

Testimonials

Quamme Insurance places a high priority on customer satisfaction and strives for excellence and professionalism in every area of responsibility. They pay attention to detail to insure we have the correct coverage if we were to have a claim.
Adam F
We have both our personal and business insurance with Quamme Insurance and their claims service is exceptional on both fronts. Over the past five years, we've had a vehicle accident and water damage to our building. Both claims were handled promptly, compassionately and without hassle. We've even received follow-up calls after the claims were settled to make sure that nothing else had happened that needed to be taken care of. Thank you to Erik, his staff and Allied claims people for making our insurance claims an easy process.
Dan M.
Quamme Insurance places a high priority on customer satisfaction and strives for excellence and professionalism in every area of responsibility. They are proactive, advocate for the customer and assist with claims to make sure I am taken care of. Thank you Quamme Insurance for the peace of mind I have working with you!
Dr. Adam Forster
I have had the opportunity to work with Erik on a professional level, to be a customer of his and to recommend his services to my friends and family. I believe that Erik is a rarity in the insurance business. He is focused on doing business the right way by thoroughly explaining the products that he is marketing and then backing it up with service that is unmatched in the industry. If you are shopping for insurance, I would make Quamme Insurance your first call.
Gary G.