Life Insurance

Your life is precious.
Treat it so.

We all need it. Knowing that your family will not have to worry about money if something should happen to you is one of the most loving things you can do for them. Life Insurance can provide the peace of mind that they will be able to continue to live the lifestyle you want for them and that the dreams you had together can be fulfilled.

Making sure that you buy the Life Insurance that is right for you is important. There are many different types of Life Insurance policies. Our experts will help you understand how the different policies work and help you choose the one that is best for you and your family.

As your life changes it is important to make sure that your Life Insurance keep pace with it. Our Life Insurance experts can help by conducting a Free Life Insurance Review of your current policies to make sure they continue to meet your needs.

Important decisions require thoughtful consideration. Our job is to make sure that you have the information you need to make the best decision.

Our Life Insurance Solutions:

Term Life Insurance

Term life insurance provides coverage for specific “term” or period of time. While term life insurance does not build a cash value like universal life policies, it is more affordable, which can be ideal for young families, or for people who only need insurance to cover expensive life events, such as college tuition or a wedding. Click here to Request a Quote.

Whole Life Insurance

Whole life policies will protect you and your loved ones throughout your lifetime. Every payment you make helps to grow a cash reserve, or cash value, that can be used for emergencies and other major expenses when you need it. With whole life insurance, your payout is guaranteed as long as your premiums are paid. To learn more, contact us today.

Universal Life Insurance

Similar to whole life insurance, universal life policies are permanent insurance, and you are guaranteed your payout as long as the premiums are paid. However, with universal life insurance you can adjust your premium payments throughout the life of the policy. Call us to find out if universal life insurance is right for you.

Final Expenses Policies

The last thing anyone wants to leave their family is a financial burden. With funeral costs rising to an average of $10,000, your loved ones could be stuck with bills and expenses they never saw coming. With final expense insurance, you can ensure that all of your final costs will be covered. Protect yourself and your loved ones today by calling Penny Insurance.

Children’s Policies

You may not know what the future holds for your child, but you can still make sure they’re prepared. By purchasing life insurance when they’re young, you ensure that your children will have insurance they may not have been able to purchase later in life, through illness or disability. As part of a sound financial plan, insure your child for the future, whatever it may bring. Call us today to learn more.


An annuity is first and foremost an insurance contract to protect your retirement income. An annuity can literally provide an income that you cannot outlive. There are many forms of annuities and some can come with a lot of bells and whistles. At Penny Insurance Agency we believe that simpler is better when it comes to annuities. Our professionals will work with you to first determine if an annuity is right for you and then to search among the top rated companies to find the best annuity for your individual situation.


“The Penny’s have insured Hendersonville for 3 generations – that matters!”

Joan Schnyder

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