Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A
person should have life insurance that approaches six to eight times
their annual gross income. Under current laws, there is generally no
federal income tax on death benefits paid to a named beneficiary.
Using the strength and experience of our life insurance markets, we
offer affordable term life and whole life insurance policies.
Life insurance coverage for a specified length of time. A term life
insurance policy is usually purchased with a particular need in mind.
Beneficiaries will collect, usually tax free, the face value of the policy
upon the insured (your) death. Term life is attractive for those with a
limited income, high short term insurance needs, or for personal
family protection.
If the insured survives the time period, the policy expires. There is no cash value at the expiration of
a term life insurance policy. Some policies have a convertible feature permitting a policyowner to
exchange a term policy for a cash value policy without evidence of insurability.
Level Term Life Insurance Policy Features
A constant death benefit and a level premium for a specified number of years. We offer 10, 15, 20,
and 30 year terms.
Decreasing Term Life Insurance Policy Features
Has a decreasing death benefit and a level premium.
Click on the link below to fill out a secure quote request form for a Term Life Insurance policy that
will provide excellent life insurance coverage at an affordable cost. Or you can speak with our North
Carolina Life Insurance agent specialist at (919) 467-6339 to discuss the policy features in more
detail.
Ed Moore & Associates, Inc.
103-B Kilmayne Drive
Cary, North Carolina 27511
Wake County, NC
Office: (919) 467-6339
Fax: (919) 467-6434

ED MOORE
& Associates, Inc.
Always here when you need us. Protecting
hundreds of North Carolina families and businesses.
PERSONAL INSURANCE
BUSINESS INSURANCE
Life
Experience - Dedication - Insurance Options
As an independent insurance agency we work for you.
We find the best, most affordable insurance products
from our wide range of insurance carrier options.
Professionalism - Small Business Specialists
Whether you are searching for better commercial insurance
options or just starting your small business, we can help.
Ed Moore & Associates, Inc.
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The most popular choice for those seeking to cover permanent needs, such as contributing to a
survivor's nest egg, paying off final expenses, etc. Whole life insurance provides permanent, lifelong
insurance coverage. The benefit amount remains the same and is payable to the beneficiary(s) at
the time of the insured's (your) death. It also offers an opportunity to build cash value, so you can
take a loan on your policy to fund major purchases or to provide for unexpected costs.
Whole life insurance has a fixed premium and a level death benefit to age 100. The premiums don't
increase with age, which averages the cost of the policy over your life. The cash value increases
with time until it equals the death benefit at age 100. This type of policy never has to be renewed or
converted. The cash value is an amount of money that you are guaranteed to receive in the event of
policy cancellation.
Variations of Whole Life Insurance include:
Modified Premium - lower fixed premium for the first 3 or 5 years, and then premiums increase.
These policies work well for individuals that expect to improve their financial condition in the near
future.

Graded Premium - premium increases each year for the first 5 years, and then is fixed.
1. premium costs may make it difficult to buy enough
2. need to carry a whole life policy for a considerable length of time to be very
beneficial
3. cash value may be less than your face value
4. cannot vary your monthly premium payment and the premium-paying period
may be lengthy
5. amount of coverage cannot be increased at a later date
Advantages of Whole Life Insurance
1. guaranteed protection for life
2. level death benefit that is generally tax-free
3. premiums do not increase in correlation with your age
4. cash may accumulate tax-deferred
Disadvantages of Whole Life Insurance
Click on the link below to fill out a secure quote request form for a Whole Life Insurance policy that
will provide excellent life insurance coverage at an affordable cost. Or you can speak with our
North Carolina Life Insurance agent specialist at (919) 467-6339 to discuss the policy features in
more detail.
We are a Cary, North Carolina insurance agency offering affordable life insurance policy
premiums to residents of the following towns, cities and counties in central North Carolina:
Raleigh, Morrisville, Apex, Garner, Green Level, New Hope, Neuse, Bayleaf, Falls, Wake Forest,
Forestville, Bethesda, Carpenter, Lowes Grove, Auburn, Holly Springs, Chapel Hill, Durham,
Knightdale, Macedonia, New Hill, Brentwood, McCullers, Farrington, Leesville, Durham County,
Orange County, Chatham County, and Wake County, NC.
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email,
fax or online at the agency's website. You must speak directly with a licensed insurance agent.