WHY WORK US ON LIFE INSURANCE?
We are 100% Independent and that means we work for you, not the insurance company. We also provide you with an unbiased policy analysis on your current life insurance policy.
LIE INSURANCE 101:
Term Life:
Term life insurance offers competitive premiums as it only covers specific periods of time. Clients select the term length they need as well as the coverage, or face, amount of the policy. For example, a client can choose a 25 year term life policy, in order to maintain your family’s standard of living until your children are out of school.
Whole Life:
Whole life insurance has been around for generations, providing security and financial growth for families throughout their lifetimes. In addition to paying a death benefit, Whole Life is also a value builder. Clients can access the cash values that accumulate in the policy during their lifetime to fund vital needs such as a college or a new house.
Universal Life:
Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. The death benefit is tax-free and growth in account value is tax-deferred.
Indexed Universal Life:
Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to either a fixed account or an equity indexed account. IUL insurance policies offer a number of well-known indexes, such as the S&P 500 or the Nasdaq-100. IUL insurance policies offer the possibility of cash accumulation while still providing a death benefit.
Final Expense and Funeral Trust
Final expense insurance, also known as “burial” or “funeral” insurance, is a life insurance policy with a low face value, from $2,000 to $50,000, that your clients can buy when they reach the age of 50. Policyholders can name any beneficiary, typically a family member, who would make the claim and receive the money upon the policyholder’s death. The beneficiary is then responsible for using the money to carry out the policyholder’s wishes. We offer a Burial Trust at no charge to the client.
