Accelerated Benefits Riders are optional, no-additional
cost riders that can allow you to access all or part of your
death benefit, while living, if you experience a qualifying
terminal, chronic, or critical illness, or critical injury.
A life insurance policy helps protect your home and income in case of premature death or the financial
risk of a terminal, chronic, critical illness or critical injury.
Tax Free Retirement Planning
Permanent life insurance offers the ability to build up tax-deferred cash value that can be accessed during your lifetime to generate a stream of retirement income – potentially income tax-free.
If sufficiently funded, the cash value in a life insurance policy can be used to help pay
for any type of secondary educational expenses including technical and vocational schools, or even private primary schools.
Term Life Insurance
is often considered the lowest costing life insurance, and if your insurance need is only temporary, this may be true. Term insurance premiums stay the same for only a limited number of years, however, and increases in premiums can be substantial as you age. Term insurance generally does not offer the opportunity to accumulate cash value.
Whole Life Insurance
insurance offers guaranteed level premiums,1 death benefit and cash value. Policy values have the potential to be enhanced through dividends2 paid by the insurance company.
Indexed Universal Life
Works the same way that Universal Life does, but offers the option of having cash value accumulate at interest based on the changes of a major market index.
life insurance offers a flexible premium with an adjustable death benefit3,4 and credits a fixed interest rate to the cash value within the policy.
life insurance offers premium and death benefit flexibility and offers the potential for securities market-type returns on the policy’s cash values.
Put You & Your Family in Good Hands
Get In Touch!
Please contact me to request assistance, advice, or other inquires. I will be glad to help and look forward to hearing from you. You can send a quick message or give me a call. If you’d like to schedule a call click here..