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	What Coverage Do You Need? Childress Insurance offers Life Health and Mortgage Disability coverage and Annuities. Use our quote-request form to receive an Insurance quote from Childress Insurance. If you have an insurance question, please ask us.		Life, Health and Mortgage Disability Insurance There are many types of protection available to you and your family. Childress Insurance can help you with these important decisions.   What is life insurance, and why do you need it? Life insurance provides financial assistance to your family or other beneficiaries, should you die unexpectedly. You need it to ensure the financial stability of a family when a breadwinner dies. This protection means your family will not have to sell their assets to cover debt.   Who needs life insurance? You need life insurance if there is someone dependent on your income, or to pay final expenses. Also, any business owner needs life insurance to protect the company in the event of untimely death.   What is the difference between "term" and "whole life" policies? Term life insurance provides coverage if you die within a specified period of time - the term of the policy. Whole life insurance provides coverage for as long as you pay the premiums. Call or email us to discuss whether you need whole life or term life insurance.   What kinds of health insurance are available? Health insurance can be broken down into two general categories: fee for service plans and managed care plans. Both cover a variety of medical and related expenses. Some cover prescription drugs or dental expenses.   Fee for service plans provide payment of some portion of the fees charged by medical professionals. Patients generally can choose the medical service provider. Managed care plans provide incentives for patients to choose medical service providers from within a specific network of professionals. These plans provide comprehensive health services to their members. Examples of these plans include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO) and Point of Service plans (POS). What is Mortgage Disability Insurance? Mortgage Disability Insurance coverage provides the funds needed to make your mortgage payment if you become totally disabled due to an accident or illness.   What is an Annuity? An annuity is a legal contract between a life insurance company (or other financial entity) and the purchaser. Annuities are designed to provide a steady stream of retirement income or to distribute funds in a manner selected by the purchaser. Annuities are purchased by a single contribution (single premium annuity) or by a series of payments timed at the discretion of the buyer (flexible premium annuity).   The cost of an annuity depends on how much monthly income you want to receive, your age when you buy the policy and the time when you want to start receiving income. The cost will also vary depending on whether you invest in a lump-sum or in installments.   Call us at 540 394-4060 or 540 268-5733 to discuss the annuities available from Childress Insurance.
	Life, Health or Mortgage Disabilty Insurance Quote Request Please complete and submit a separate request for each type of insurance quote. What kind of insurance quote would you like to receive? Life   Health   Mortgage Disability Name Age Address City , VA Zip Code Email Phone Gender Male   Female Occupation Do you use nicotine? Yes   No For life insurance quotes only Please enter the desired dollar value of the policy: $ For mortgage disability insurance quotes only Please enter the dollar amount of your monthly mortgage payment: $ (include taxes or insurance if applicable) For covering additional family members If you would like to insure other family members, check the box below. We'll contact you for additional information. I want to insure additional members of my family. Send Your Quote Request Please click the Send Quote Request button.   Policy price quotes are not insurance policies or promises to insure.

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	Office Hours: Monday-Friday, 9am-5pm and by appointment 46 W Main Street • Christiansburg, VA 24073 • phone: 540-394-4060 • fax: 540-394-4061 3888 Stewart Lane • Shawsville, VA 24162 • phone: 540-268-5733 • fax: 540-268-5737 Copyright ©2004 Childress Insurance. All Rights Reserved. Site Designed and Maintained by Service First Webmasters, Inc.