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Life Insurance

Life insurance near me

Life insurance policies come in all shapes and sizes. We here at Rickard Insurance Agency are committed to putting together the best life insurance policy to accommodate your individual needs. Want a flexible policy? What about policy that stays constant?  Don’t know what you should get? We’re here to help!

What type of life insurance policies does AAA offer? Please keep reading to find out. 

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AAA Life offers five options of guaranteed level premium coverage: 10, 15, 20, 25, or 30 years! Just select the duration that best fits the length of the time you want coverage to last. Coverage from as low as $50,000 for ages 50 and older and $100,000 for ages 18 to 49.

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What if your term insurance ends and you haven’t had to use any of your coverage? If you add the Return of Premium benefit to your policy and this occurs, you can get your entire premium back at the end of your term.

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Whole life insurance provides permanent protection. Just pay your premiums when due and your coverage is guaranteed to last for a lifetime, regardless of changes to your health. At age 100, your whole life insurance coverage stays in effect with no further premiums required. Your premiums will never increase either!

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Universal Life insurance is designed to provide you with a lifetime of protection, allowing you to meet both your present and future objectives. A Universal Life policy from AAA Life can provide a lifetime of coverage with competitive premium rates and flexibility.

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One of the most important features of Universal Life insurance is that it accumulates cash value that can provide much-needed funds in later years. A Universal Life policy allows you access to money to help support a variety of needs throughout your life. For example, use the cash you’ve accumulated to supplement educational expenses or put it towards your retirement. ­

Universal Life insurance is different than Whole Life insurance because, with Universal Life, you can adjust your premiums and other features in order to best accommodate your individual needs.

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If you are a resident of North Carolina or South Carolina and are interested in a in a life insurance policy, check us out at or give us a call at 803.339.8205 for a FREE quote! 

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