Life Insurance Services

In Business Since 1920 | Independent Agency | Fully Licensed

In Business Since 1920

Independent Agency

Fully Licensed

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Individual Life Insurance Plans

You can't put a dollar amount on your family, but you can make sure their future is protected with the help of Howard Clare Insurance. No one can predict when the unexpected will happen, but our knowledgeable agents can help you prepare for when it does. An individual life insurance policy is the most important investment you can make in your family.


While life insurance can be complicated, we're happy to talk you through your options. Simply call Howard Clare Insurance at (812) 232-0336 to schedule your appointment. We offer over 75 coverage options.

What Are Term, Whole and Universal Life Insurance?

  • Term Life Insurance

    With a term life insurance policy, you pay regular premiums for a set period of time. The policy only pays out if you pass away during this period.

  • Whole Life Insurance

    With a whole life insurance policy, there is no set time period. You pay regular premiums until your death, which is when to policy pays out. You may have the option to take a lump sum back while you're still alive, but this will reduce the amount paid upon your death.

  • Universal Life Insurance

    This type of policy is similar to whole life insurance but gives you more flexibility when it comes to taking money out early. You can borrow money and repay it later, though if there is any outstanding loan upon your death, the policy's payout can be affected.

Consider Your Insurance Premiums

Your insurance premiums depend greatly on your age and medical history, along with the amount you want the policy to pay out. This is why you should speak to a licensed agent from Howard Clare Insurance before deciding on a policy. Fill out our online form to schedule an appointment and a FREE quote.

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