Term Life
The most popular and most affordable type of life insurance, particularly among younger people. Term life insurance can be ideal for young families with large debts, mortgage holders and school loan who need a large amount of coverage at the most affordable price.
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Whole Life
These policies are designed to provide coverage for an individuals whole (entire) life. Whole Life Insurance provides coverage up to age 121. This is perfect for those who want guarantees and who are focused on providing death benefit protection over cash value accumulation.
Benefits of Whole Life
- Guaranteed death benefit
- Guaranteed cash value
- Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
- Level premiums that are guaranteed to never change.
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Universal Life
These Insurance Policies are perfect for the person who needs flexibility and coverage. One of the best features of universal life insurance is flexibility with your premium. You can pay higher premiums to add to your policy's cash value when you're able & increase cash accumulation that can be accessed without penalties and/or taxes (ask your agent). Or, if you need to reduce the premium for a period of time, you can make adjustments to the policy to accommodate that.
Benefits of Universal Life
- Affordability. Universal life insurance costs less than whole-life insurance policies
- No-lapse protection. If you don't pay the premium, some types of life insurance may lapse. With universal life insurance, your policy can include protection against lapsing by using the accumulated cash value to keep the policy in-force.
- Tax-advantaged savings. The cash value component of your universal life insurance policy provides a guaranteed minimum interest rate and offers tax-deferred accumulation.
- Premium payment flexibility. As your needs change, your universal life insurance policy premium payments and death benefits can be adjusted.
- Loan and withdrawal features. You may be able to take loans or withdrawals from the accumulated policy cash value when you need them with no penalty or age requirements.
888-599-0929Finding Affordable Coverage
It can be challenging deciding what type of insurance will fit your needs. You will be amazed at the feeling of relief you will find after making the commitment to protect your loved ones when you die.
Let us help you find the insurance that fits your needs. We work with 20-30 Insurance carriers and we will answer all your questions to make sure you and your family are educated on the insurance selected.
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