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Individual Life Insurance in Bloomington IN & Martinsville IN

Reassurance for you and your Loved Ones.

Hardesty Insurance provides life insurance to individuals in Bloomington, Martinsville, Bedford, Spencer, Linton, Bloomfield, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Hardesty Insurance, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Hardesty Insurance offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Hardesty Insurance is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Hardesty Insurance will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

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.

Our Location

Hardesty Insurance

5700 W State Road 46
Bloomington, IN 47404
Main office: 812-965-6433
Toll free: 800-276-9694

Our Providers

Testimonials

I've been with Hardesty Insurance for about 25 years now since about 1987. Ron provides me with clear and helpful responses to any problems I ever have, he is the best.
Ryan M.
I've been a client here for years. They handle my home, automotive, and medical insurance. The personal attention I receive from my agent is just great and very rare these days. I will definitely be renewing my policy.
Jason P.
I have been a client for 26 years. They are much more personal than other insurance companies because they are local people who are part of the local community.
Maxine B.
I dont write reviews often, or ever, but with Hardesty Insurance i think its necessary. I am new to the whole home insurance thing and Rita, step by step, walked me through all of my questions and answered them thoroughly. Rita responded right away to me and did such a great job overall. I highly recommend them!
Suzanne K.
My favorite thing about Hardesty is that they stay in constant contact with you. I recommend them all the time to friends and family.
Donna E.
Forthright and honest. I had a problem with a burst water pipe this past past winter and Ron and Rita helped immediately. We had the issue resolved within the week. I highly recommend Hardesty Insurance. I'm thinking of switching my auto insurance to them as well.
Steve F.
I've been with Hardesty Insurance for 2 years now. They provide me home owner's insurance and they are the best insurance agents I have ever had.
Kimberly E.
I've been with Hardesty Insurance a long time now, at least 20 years. They provide me with auto and home insurance and I couldn't be anymore pleased with the coverage.
Warren T.
Hardesty is a local company that is easy to contact and always will be there for you. They keep me updated with all my personal and business insurance needs.
Megan L.
Small business with owners that are very conscientious.
Donna D.
Ron and Rita run a great agency. They are always personable, always follow up and always make me feel like I matter. I have been a client of theirs for many years. They provide my homeowoner's, auto, and motorcycle coverage.
Lou M.
The agents at Hardesty Insurance are good, honest people. I am always so satisfied with their services. They deserve a 5 out of 5 stars for excellence!
Phyllis C.
We've had insurance through Hardesty for years. They have always been kind and helpful. We've had few claims and any questions or concerns we have had were always answered promptly.
Rebecca S.
I first heard about Hardesty Insurance from my wife who used them. I ended up switching over because of the convenience and excellent customer service. I would highly recommend them!
Riley C.
I used to have a policy with a different agency which I will not name... they were extremely expensive and not worth renewing with. I felt like a number. Basically, they were the opposite of Hardesty Insurance. I receive personable service and I always feel like a respected client, not a checkbook.
Sharon T.
Hardesty Insurance has competitive rates, which is what first drew me to them. However, their customer service is truly their hallmark. Rita in the office, and Ron, are great people who do their jobs superbly.
Jolene P.
Hardesty Insure will find the best insurance for your needs. They actually listen to your needs and then tell you in a straightforward manner what they believe the best package for you is.
Kyle M.
Hardesty Insurance is phenomenal. It's a company full of good honest people who are easy to deal with. They also have really reasonable rates.
Eric T.
The staff is really good about helping you no matter your situation. They are going to do their absolute best to find an insurance policy that is best for you
Benny J.