Kattan-Ferretti Insurance

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Life Insurance Should Be Easy.


Get a life insurance quote by May 31, 2024 to be entered for your chance to win.

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Life insurance with options that fit your life needs

You love and want to protect your family, your home, and all the things that make your life…YOUR LIFE. Let our personal insurance specialists identify your specific needs and produce a life insurance policy that’s right for you. At Kattan Ferretti, you get to choose from a variety of life insurance policies available from our A+ Superior-rated carriers to fit your personal needs.

Term Life

Our term life insurance policies are designed to provide financial security for your loved ones when they need it most. Whether you’re looking to cover specific financial responsibilities like a mortgage, educational expenses, or simply seeking to ensure your family’s future is protected, our comprehensive term life insurance options offer affordable, flexible protection tailored to meet your unique needs. With our experienced agents, securing the right policy is straightforward and stress-free. 

Whole Life

Whole life insurance not only provides a guaranteed safety net for your family but also acts as a valuable asset in your financial portfolio, accumulating cash value over time. Tailored to fit your life’s evolving needs, our policies ensure that your financial goals and legacy planning are securely in place, no matter what the future holds. Our dedicated team of professionals is here to guide you every step of the way, from understanding your options to customizing a policy that aligns perfectly with your long-term goals and plans. 

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Have Questions?

Life Insurance FAQ

Why do I need life insurance?

It can cost around $310k to raise a child to age 17.

It can cost around $8k for a modest funeral.

It can cost around $14.24 per month for $250,000 in life insurance through ERIE

I think I already have life insurance. Why would I need to change?

When it comes to insurance, the best policy is one that provides the right protection for you and your family — right now. That means as your life changes, your insurance coverage should, too.

In an ideal world, you’d call your insurance agent every time you finished a home renovation, bought a new vehicle or got a new job. But life is busy. And with all the responsibilities of work and family, evaluating your life insurance coverage may fall pretty low on your priority list.

A coverage review is a good opportunity to ask questions and understand what your policies can (and can’t) cover. Your agent can also share real-life claims examples they’ve seen in your local area to help you avoid potentially costly coverage gaps.

I Have Life Insurance Through Work. Isn’t That Enough?

Picture this: You land an exciting new job with great benefits: vacation time, health insurance, 401(k)… even free lunch once a week!

They offer group life insurance, too – two times your annual salary. That sounds like a lot, right? In many cases, it might not stretch as far as you think.

Let’s say you make $50,000 per year. A benefit of $100,000 can make a big difference to your family – for a while. But through the years, could it really go the distance to pay for expenses and reflect the legacy you want to leave for your family? Think about how far $100,000 could go to pay for these common needs over time:

  • Private student loan debt
  • Mortgage or rent payments
  • Utilities, groceries and other costs of living
  • Healthcare
  • Childcare expenses
  • Charitable giving

Life insurance is, by its very nature, a deeply personal financial decision. When you rely exclusively on group coverage through work, you miss the opportunity to personalize your coverage based on your specific needs.

What's the difference between Term and Whole life insurance?

Term Life Insurance provides coverage for a specific number of years and you select the “term”. It’s an easy, more affordable option if you’re not looking for lifelong coverage. But, if you should change your mind, during your policy term you usually have the option to renew it or perhaps convert it into a permanent life plan.

Some general things to know about term life insurance:

  • You have the option of choosing how long and how much
  • Plans usually come in 5, 10, 15, 20 or 30 year packages
  • It is often more affordable than other life insurance options
  • Some policies come with an option to convert to permanent
  • It only pays if you perish during the period of the policy


Whole Life Insurance, also called permanent life insurance, is designed to last your lifetime. That means your family and beneficiaries are covered for the duration of your life*. In addition to providing financial protection, whole life policies build cash value which allows you an opportunity to build your wealth.

Some things to know about whole life insurance:

  • Provides coverage for your entire life
    Accumulates cash value
  • Premiums and coverage are guaranteed to remain the same for your lifetime

Click here for a more in-depth breakdown of Term vs. Whole Life Insurance.

*The guaranteed death benefit can expire if no premiums are paid following initial premium, or if subsequent premiums are insufficient or if account value is reduced by withdrawal or loan.

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