Life Insurance

Protecting your family’s financial future is one of the most important steps you can take. We’ll help you choose between term and permanent life insurance so you can feel confident your loved ones are cared for.

What we can do for you

Planning for the Future Starts Today

Life insurance isn’t just about covering final expenses—it’s about protecting the people and priorities you care about most. At Dabolt Insurance Agency, we help individuals and families across Lancaster, York, Berks, and Lebanon Counties find affordable, personalized coverage. The right plan can help pay household bills, fund a child’s education, keep a family business running, or protect a spouse’s retirement plans. Our role is to simplify your options and match you with a policy that works for your goals and your budget.

Term & Permanent Life Insurance

Choosing the Right Type of Coverage

Checklist document and clock icon.
Term Life Insurance

Term life insurance is the most affordable option when initially purchased. It provides coverage for a set period of time—often 10, 20, or 30 years—and pays a benefit if you pass away during that term. This makes term insurance ideal for temporary needs, like protecting your family until the mortgage is paid off, or ensuring your children are covered until they finish college.

Hand holding a shield with a checkmark, symbolizing security and protection.
Permanent Life Insurance

Permanent life insurance is designed to last a lifetime. Unlike term coverage, it builds cash value over time and can serve as a financial tool for long-term planning. Indexed universal life policies, for example, can be structured to provide retirement income for you, your children, or even your grandchildren. Permanent insurance can also be used to help cover long- and short-term care costs, giving you flexibility as your needs change over the years.

Burial Expense

Burial expense insurance—sometimes called final expense insurance—is a type of permanent life insurance designed to cover the costs your loved ones may face after you pass away. These policies are generally smaller in size, but they’re meant to relieve your family from the financial stress of paying for:

  • Funeral and burial costs
  • Medical bills not covered by Medicare
  • Outstanding debts or personal expenses

Life Insurance Questions from Our Clients

Where do I begin?

  • How do I know how much life insurance I need?

    It depends on your income, debts, and family’s future needs. We’ll help you calculate the right amount.

  • Is term life or permanent life better?

    It depends on your goals. Term is best for temporary coverage needs, while permanent builds long-term value and lasts for life.

  • Can life insurance be used for retirement?

    Yes. Certain permanent policies can provide tax-advantaged income during retirement.

  • Do I need life insurance if I already have coverage through work?

    Employer-provided insurance is a good start, but it often isn’t enough—and it usually doesn’t follow you if you change jobs.