Secure
Your Future
Protecting Your Loved Ones with Reliable
Life Insurance Solutions
Our Mission
Williams Insurance Co. is dedicated to providing peace of mind by offering comprehensive life insurance coverage tailored to your unique needs.
Coverage
Limit Risk and Explore Ways to Be Protected
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Frequently Asked Questions
Common Questions Answered for your convenience.
What types of Insurance do you offer?
We offer 3 kinds of policies: Term, Whole Life, and Index Universal Life. All of our policies are written through TransAmerica.
Can I start with a term plan and convert to a whole life plan at a later date?
Yes. Many term policies include a conversion option to whole life or another permanent coverage without requiring new medical underwriting, but you must convert within the timeframe specified in the policy. The availability of conversion, deadlines, and eligible permanent products vary depending on the contract and insurer, and premiums for the new whole life policy will be higher than the term and based on your age at the time of conversion.
Does my premium payment change each month?
It depends on the policy type. Term and most whole life policies have fixed premiums for the guaranteed period. Indexed universal life (IUL) policies can offer flexible premium options. These may change if you adjust payments or if the cash value is insufficient to cover policy costs. Premiums can also be affected by adding riders, taking policy loans or withdrawals, or exercising a conversion option. You can usually change billing frequency (monthly, quarterly, annually) through your agent. Most policies include a brief grace period for missed payments.
What if I already have insurance?
If you already have insurance, that does not prevent you from adding more or converting your current policy. However, depending on how your policy was written, there could be. If you’re thinking of replacing a policy, check surrender charges, cash value loss, and whether a new policy’s contestability/insurability periods reset. Don’t cancel existing coverage until the new policy is in force. Request a Free Quote today to see if you are eligible
What if I already have health conditions? Can I still get approved?
Yes, having health issues doesn’t automatically disqualify you. Approval depends on the condition, its severity, treatment, and how it affects life expectancy; underwriting might assign you to a higher rate class, issue a policy with exclusions or graded benefits, or require a higher premium.
What happens if I miss a premium payment?
If you miss a premium payment, most policies have a short grace period (typically 30 days) during which coverage remains in force; if payment isn’t made by the end of that period, term policies generally lapse, and permanent policies (whole/IUL) may use available cash value to cover the premium. A lapsed policy can usually be reinstated within a specified timeframe, subject to reinstatement requirements (back premiums, interest, and evidence of insurability), but benefits may be reduced or lost, and contestability periods can restart.