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Life Insurance

It’s only natural to want to protect those who rely on you financially should you die prematurely.

We have access to more than 50 of the nation’s top insurance companies, enabling our agents to match an insurance plan to meet your needs, objectives, and budget.

And, did you know that many people use the accumulated cash value available through permanent life insurance policies to help fund college tuition, retirement savings, emergency savings, and more?

There Are Two Basic Types of Life Insurance:

> Term Life Insurance is the most basic type and is designed to provide coverage for a specified period of time, usually 10 to 30 years, in exchange for a monthly premium (payment). This type of insurance is usually the most affordable option for individuals under the age of 50.

> Permanent life Insurance lasts for the insured person’s entire life, as long as premiums are paid. Permanent policies combine a death benefit with a savings account. The cash value that accumulates with this type insurance can later be withdrawn or taken out as a loan against the policy.

Other Life Insurance Options

Linked (or Combination) Life & Long-Term Care Insurance provides two forms of valuable protection in one policy. Some plans offer recurring premiums while others require a large single premium. Like all life insurance policies, they pay a death benefit to your beneficiaries. However, what sets them apart is the ability to deduct from your death benefit the amount you may need to pay for long-term care costs. Some permanent life insurance plans will allow you to purchase an optional rider for long-term care coverage.

Final Expense Insurance is a small life insurance policy designed to cover the immediate costs associated with a death, such as burial, cremation, casket, funeral service, headstone, burial plot, etc. In 2012, the average cost of a funeral alone exceeded $8,000. Though most people don’t like to talk about end-of-life issues, they also don’t want to place this financial burden on their loved ones.

 

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