Life Insurance services are about ensuring your loved ones are safe, well taken care of, and feel the love you bring for generations to come.
The right life insurance depends on many factors, but the main goal remains the same. To ensure that any expenses we may leave behind are taken care of, and that the future of our kids, grand kids and family is set up to flourish.
Implied by the name, term life insurance is good for a set amount of time, such as one year, 10 years, 20 years, or more. If the policyholder dies while covered under term life insurance, his or her beneficiaries receive a payout or death benefit.
Under the investment component, a cash value is accumulated and the insured individual can withdraw or borrow against it. With whole life insurance, policyholders have the ability to accumulate wealth while premium payments go towards insurance costs.
Universal life insurance is a type of cash value life insurance that offers the low-cost protection of term life insurance with the savings element of whole life insurance. It also offers flexible premiums, a tax-deferred investment opportunity to the insured individual, and a level or increasing death benefit.
The investment features in variable are designed to help protect the employee and their family and provide access to professionally managed investments that can help employees accumulate money for future needs.
It’s the insurance that everyone needs but no one likes to talk about. However, life Insurance is for more than paying off mortgages and funeral expenses. It needs to be a part of your financial plan, regardless of your age or income.
It’s the security that comes with knowing that your family or business is secure in the event of a loss.
Life Insurance is a powerful instrument that helps with estate planning, retaining top employees, final expenses, and more.
Life Insurance needs can change rapidly when you reach new stages in life. As an independent agency, we have constructed plans that range from simple term policies to complex business arrangements.
We will work with you to meet your objectives with plans in which you will have confidence and clearly understand.
Choosing the right life insurance policy and understanding the life insurance benefits can be a lot. Especially around the topic of passing away. That’s what we are here for, we strive to connect and communicate in a down to earth way.
Buying a term life or a combination of term and permanent insurance may help you pay a lower premium. Buying a policy early in life is also a good way to ensure a lower premium.
Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and if you participate in high-risk activities or occupations.
Permanent policies are typically the best option if you are looking for life-long protection, or an option to accumulate a tax-deferred cash value.
Most policies have a 31-day grace period wherein you can pay the premium with no penalty or interest.
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