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Universal Life Insurance
We're here to make life insurance needs as simplified as possible for you!

Term, Universal and Whole life all in one place!


What is life insurance?

Life insurance is a contract in which a policyholder pays premiums in exchange for a lump-sum death benefit that may be paid to the policyholder's beneficiaries. The lump-sum benefit is paid when the policyholder either passes away or a specific amount of time has passed. Life insurance policies can help provide financial security by replacing lost income and covering expenses.

If you're looking for a life insurance policy, we've got you covered. Lawrence Associates Agency has teamed up with partners to offer affordable life insurance options to meet your family's needs. Whether you're researching term life insurance or whole life insurance quotes to determine what's best for you, we can help so you can rest easy knowing your loved ones are protected.
Free Life Insurance Consultation

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Protect the life you love!

  1. Term Life

  2. Whole Life

  3. Universal Life


What is the best life insurance policy for me?

Every person has a different situation and needs, you'll need to choose which product is right for you.  Those who purchase life insurance tend to fall into the following categories:

Term Life Insurance Policy:

  • Main Breadwinner

  • Stay at home parent

  • Homeowners

  • Business Owners

Whole or Universal Life Insurance Policy:

  • Those who plan to leave an inheritance

  • High-net-worth individuals

  • People who wish to pre-pay for their funeral expenses


Did you know that life insurance is a key part of your financial plan? With an annual review program, you can see where you are now and will be in the future!


Term Life

  • Covers you for a set amount of time

  • Some policies may have premiums that never increase

  • The most affordable

  • Can be converted to whole life with some policy features

Whole Life

  • Covers you for your entire life

  • Can earn you dividends

  • Builds cash value that's guaranteed to grow over time, even in down markets

  • Lets you use your policy's cash value for purchases

Universal Life

  • Many of the same benefits as whole life

  • Covers you for life and builds cash value over time

  • Flexibility to change your coverage amounts

  • Control over when and how much you pay

Whole Life Insurance

How much does life insurance cost?

The cost of life insurance depends on several factors, such as age, medical history, and lifestyle. The coverage amount and policy type also play a significant role in determining life insurance costs.

What do you need to start a life insurance quote?

  • Know the amount of your outstanding debt (such as mortgage, loans, etc.)

  • Specific information regarding medical conditions

  • Income level and occupation

  • General medical information you may be asked about (height, weight, blood pressure and cholesterol levels)


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2142 Ridgeway Avenue

Rochester, NY 14626

Tel: 585-227-7500


Monday - Thursday 

9:00 am to 5:00 pm


9:00 am to 4:00 pm

Evenings & Weekends by Appointment

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