Life Insurance

There are 2 basic types of Life Insurance

Term Insurance

Coverage for a stated Term such as 10, 20, or 30 Years.

  • In most cases, Term Life Insurance is less expensive than Permanent Insurance.
  • Some policies offer a “Guaranteed Convertibility” feature that allows the insured to convert to a Permanent Insurance without proof of good health!

Permanent Insurance

Coverage for the lifetime of the Insured.(Sometimes called “Whole Life Insurance.”)

  • Flexible premium payments.
  • Potential tax-deferred growth on Policy Values that may gain significantly and make the policy a valuable financial tool over a long period of time.

Example: At 65, Joe is told by his Life Insurance company that his policy has a “surrender” value of $200,000. Joe has the option to cancel the policy and receive a check for $200,000.

  • Access to policy values through policy loans and withdrawals.
  • Ability to list the policy Values as another asset you own on a Credit or loan application.

Why buy Life Insurance?

  • The Beneficiary receives a tax-free lump sum.
  • Your children can go on to college and pursue their career path.
  • Your spouse or significant other is not burdened with the mortgage debt.
  • So your business partner is not burdened with your share of any outstanding debt. 
  • To relieve a person that co-signed for you from having to pay all the debt.
  • To cover final expenses associated with your funeral, estate and debt.
  • Terminal Illness-Some policies allow you to access a percentage of the death benefit during your lifetime if you become terminally ill.

It’s Easy to apply.

Here’s what to expect during the Application Process:
  • The company may want a physical completed by a certified Nurse.
  • Your medical records may or may not be requested.
  • An application must be completed and signed.
  • Online applications also available.
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NOTE: If you do not want to have a physical that may include giving a blood sample, ask us about “NO MEDICAL” Term Life Insurance. 

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