Life Insurance


Home Insurance

Cara Sparks is Palatine's trusted American Family Insurance agent.

You do everything you can to protect your loved ones, and that includes their financial future. Life insurance is a smart, proactive way to financially protect the dreams of those you care about after you pass away. Whether you’re looking for temporary coverage or coverage that lasts a lifetime, American Family Life Insurance Company has customized options to financially protect the ones who matter most.

You might be surprised at how easy and affordable life insurance might be. We’ll help you through the process — go ahead and take a look around at our resources to learn all about life insurance at your own pace. The more you know, the better you can safeguard your loved ones’ financial future.

Who Needs Life Insurance?

Income earners
If you pass away suddenly, your loved ones will be out a source of income that they may need to pay bills, handle expenses and save money for the future. Having life insurance for income replacement means your family could have the financial support they need to maintain the lifestyle they’re accustomed to.

Homeowners with a mortgage
If you’re still paying off a mortgage when you pass away, you could be leaving behind a large debt for your partner. A life insurance policy can help contribute to mortgage payments after you’re gone.

Parents with young children
Raising a child is expensive, and if you pass away, your children will need financial stability to thrive. It may also be a good idea for both parents have their own life insurance policies so the other can be provided for should one of you pass away.

Comparing Whole Life vs. Term Life Insurance

There are two main types of life insurance: term life insurance and whole life insurance. Here are the key differences between the two.

Term life insurance

  • Offers coverage for a specific period of time
  • If you pass away while the policy is in effect, your beneficiary will receive a death benefit
  • If your term life insurance policy expires before you pass away, your beneficiaries won’t receive a payout
  • You may be able to extend your coverage after the initial policy term ends or convert it to a long-term policy

Whole life insurance

  • Offers coverage for your whole life (subject to policy terms and conditions)
  • Typically more expensive than a term life policy
  • Can accumulate cash value that you can borrow against while you’re still living
Need more info? The Cara Sparks Agency will be happy to answer any questions you may have about life insurance and recommend a policy type and coverage based upon your family's needs, finances and lifestyle.

About the Cara Sparks Agency


Cara SparksI have been an insurance professional since 2010, and have a lot of experience building lasting relationships and protecting customers dreams. Our agency offers auto, home, life, business, farm/ranch, and other kinds of insurance tailored to fit your family’s unique needs. You can count on each and every member of my team to be honest, attentive and straight forward, and to always put your best interests first. Above all else, we are educators, advisers, and dream protectors.

OUR Insurance Agency

My team is here to serve. Our unique backgrounds, training and experience have prepared us well to help meet your insurance needs. Additionally, as residents of your community, we understand how important it is to be there for you - our trusted friends and neighbors. Together, we're building strong partnerships that help everyone succeed.

CALL US AT (847) 885-2043