Personal Insurance

Take control of your financial future with Straight Forward Life & Annuity.

Types of personal insurance

At Straight Forward Life & Annuity, we offer three types of insurance. Each has its own characteristics.

Life Insurance

Protect those who love and depend on you.

Disability Insurance

Pay yourself, even when you can't work.

Long Term Care

Preserve your assets and cover your care costs.

Check out the unique characteristics of personal insurances.

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  • Protect

    Provide protection for your loved ones in the event of death.

  • Provide

    Offer financial security for the ones who depend on you.

  • Help

    Can be used to help cover funeral costs, estate tax bills, and other debts.


  • Earn

    Helps protect income if you become unable to work due to illness or injury.

  • Aid

    Pays a portion of your salary while you are disabled.

  • Cover

    May provide additional benefits such as coverage for medical expenses.

Long Term Care

  • Pay

    Designed to pay for long term care services when needed.

  • Care

    Covers care received in a variety of settings, including nursing homes, assisted living facilities, & more.

  • Preserve

    Can help preserve assets by covering expensive long term care costs.

Frequently Asked Questions

What types of insurance coverages are available?

There are many different types of insurance coverages available depending on one's needs. These include life insurance, disability income insurance, long-term care insurance, health insurance, & more.

Can I combine different types of insurance policies?

Yes, most insurance companies offer bundled packages that allow customers to combine multiple policies into one package. This allows customers to save money by taking advantage of discounts and other benefits from bundling together different types of policies.

How do I know how much coverage I need?

When determining how much coverage you need, it is important to consider your current financial situation as well as any future goals you may have. Additionally, factors such as age, health, lifestyle, and occupation will also affect the amount of coverage you will require. The best way to to learn about your options is to reach out to us!

Are there any reliable insurance companies?

Straight Forward Life & Annuity works with more than 50 highly rated insurance companies in order to provide options that meet customer needs and fit within their budget. Each of these companies has a strong reputation for reliability and being able to provide quality coverage when needed. Some of the highly rated companies we work with include MetLife, Prudential, Nationwide, and Allstate.