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	Life & Health Insurance
	M&M Insurance can help build your family’s future with life and health insurance. We will work with you to provide the coverage you can trust and the security you need to be there to protect your family today and tomorrow.


	Protect Your Loved Ones. Your dependant’s financial security is vulnerable without Life and Health Insurance. Protect those who depend on you most with health care and financial security for those who may be left behind. Life Insurance also provides businesses with the necessary capital to survive the passing of a key employee or partner.

	Insure Your Future At M&M Insurance we care about you. We provide you with old fashioned service to secure your future.


	Life & Health Services Universal Life Insurance Mortgage Life Insurance Pension & Profit Sharing Plans Group & Individual Health Policies Personal Commercial – Group CEO – Life Health Annuities Disability Individual Retirement accounts


		Get Auto Insurance We will compare automobile insurance rates to find you the best protection and the best price from over 20 top rated insurance providers in the country. Getting a quote is easy with M&M Insurance Associates.

	The M&M Team has more than 20 average years of experience in the industry, giving you the best service in Kansas. We Insure the Future of over one billion dollars in property across Kansas. M&M Insurance

		Customer Tools At M&M Insurance Associates we strive to make doing business with us easy because insurance shouldn't have to be complicated. Make a service request or make changes to your account here.


	What Is Term Life Insurance?
Term life insurance provides a death benefit only. This form of life insurance policy does not build any cash value and there are three basic types: Annual Renewable, Level and Decreasing Term. Annual Renewable Term Death benefit remains level. Premium increases annually since, as the covered person ages, there is an increased likelihood of death. Level Term Both the policy's death benefit and its premiums remain level for a predefined period of time: usually, five, ten fifteen, or twenty years. Decreasing Term The death benefit decreases each year while the policy's yearly premium stays the same. It reflects the fact that a certain level of premium purchases a reduced amount of protection with each passing annual term. This type of policy is often used to cover a mortgage or other loan obligation that has a decreasing balance. Characteristics Of Term Insurance Low cost in the beginning Premiums increase over time Can help to meet specific short-term needs Has no cash value Lasts a specific, non-adjustable period of time Please read our disclaimer Many states have special mandated coverage forms and endorsements that broaden or limit the coverages described in these information pieces. We do not address these individual state mandated forms. Not all companies will sell the policies described in these information pieces. Please consult policy(s) for definitions and limitations. The terms of these information pieces do not represent contract terms. Insurance policies are subject to company underwriting practices.

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