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      • Ludovissy and Associates - Dubuque
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    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • High Value Homeowners
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
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      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
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      • Financial Planning
      • Annuities
      • 401K
      • Retirement Plans
      • Mutual Funds
      • Pension Plans
      • Profit Sharing Plans
      • Traditional & Roth IRAs
    • Additional Insurance ServicesImage of right arrow
      • Wedding and Special Event Insurance
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Landscaping Insurance
      • Religious Institutions
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Builders Risk Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
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      • Printers & Publishers Insurance
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      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
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      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
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      • Mechanical Breakdown Insurance
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      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
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Home > Products > Life Insurance - Dubuque IA & Bellevue IA - Ludovissy & Associates

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form

Life Insurance Information

Life Insurance in Dubuque, Bellevue, East Dubuque, and Guttenberg, IA

Protect What Matters Most.


Death is a tough discussion for everyone to have, especially when it comes to financial concerns. Life insurance is an excellent way to alleviate some stress that may come with the concern of financial stability upon your passing. Adequate life insurance coverage will assure you that your loved ones will be supported financially when you are no longer there to do so. 

At Ludovissy and Associates , we guarantee that, with the help of our experienced agents, we will be able to guide you in choosing the proper life insurance coverage for your exact, personalized situation. The importance of caring for your family cannot be put into words, and we prioritize that. 

Call us at 888-556-6660 or visit our website to get a quote on potential life insurance coverage. 

Common Life Insurance Questions  



How Does Life Insurance Work?  

Upon your death, a certain amount of money, commonly known as a death benefit, is given to a beneficiary of your choosing. This money is there to assist your beneficiary in financially recovering from your loss, as well assure that they are taken care of. 

What is Whole Life Insurance vs. Term Life Insurance?  

There are two primary types of life insurance:  

  • Term Life Insurance: A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, then the policy does not pay. You will also have to reapply for a new policy if you want to continue to have coverage.

  • Whole Life Insurance: Whole life policies last for the remainder of your life once you enroll. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities, and the cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).


Several more specific policies also exist, including:  

  • Universal Life Insurance

  • Final Expense Insurance

  • Group Life Insurance

  • Individual Life Insurance

  • Key Person (Key Men) Insurance

  • Long-Term Care Insurance

  • Mortgage Protection Insurance

  • Second-To-Die Policy


Speak to one of our agents to learn more about which type of policy is best for your needs.  

How Much Life Insurance Do I Need?  

The amount of life insurance you need is entirely up to you. For example:  

  • If you want a policy to help pay for a child’s college education, then a 20-year term policy might be best for you. You can let the policy terminate at the end of the term, but you can rest assured that if you do die before your child graduates college, this policy will pay for their tuition and other expenses.

  • Many people tie the value of their life insurance policies to the value of their debts—mortgages, car payments, etc. If you die while these debts are outstanding, then your beneficiary can use the money to settle expenses.

  • Some people tie the benefit to their income and leave a certain number of years’ worth of their paycheck to their survivors. So, if you were to take your current paycheck and multiply it by ten, then your death benefit will provide ten years’ worth of income to your family.


Essentially, you get to choose your own death benefit. Our experienced agents will make sure that the benefit is sufficient for your loved ones and affordable for you. 

How Much Does Life Insurance Cost?  


A life insurance premium differs from person to person. Factors such as age, income and coverage are some of the aspects included in premiums. 

The affordability of a life insurance policy is, oftentimes, a chief concern among people. The important thing to note is that our agents will assist you in selecting adequate coverage no matter where you are in life or what your unique situation is. 

Contact us to learn more about life insurance or request a free quote now.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

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