Lets face it
No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. We know there is no policy that can replace a person. We believe that everyone should have the time they need to adjust when someone passes. We do not want people to worry about money during these times.
Life is for living
Yes, life insurance can offer the advantages of both death benefits and living benefits. Living benefits are offered before you die, and death benefits are offered … well, you get the picture.
3 types of policies
Term life insurance - The most basic and most affordable. Policies can be purchased for a specified period of time (10, 20 or 30 year). If you pass within the time period we will pay your beneficiaries the face value of your policy, tax free.
Whole Life Insurance - This is a permanent policy. The premium stays the same throughout the life of the policy. Although the premiums may seem higher than the term policies in early years, they accumulate cash value and are accessible to you tax free if you wish.
Universal Life Insurance - Universal goes one step further. You have the same type of coverage and cash value as you would with whole life, but with greater flexibility. Once money has accumulated in your cash-value account, you are able to vary the frequency, and amount, of your premiums. These also allow you to build cash value much faster, which you can access tax free.
Let us show you how it works. Call us today!