Making Sense of All Your Insurance Products
TYPES OF POLICIES
Universal Life Insurance
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbounded pricing structure. ​The savings element—premiums and death benefits—can be reviewed and altered as the policyholder’s circumstances change. The good news about Universal Life is that you can have continuous gains on your policy if your investments are going well.
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Unfortunately, if the market goes bad so does the gains you made in the account. There are also numerous fees associated with this type of policy such as the cost of insurance, administrative expense, premium expense charge, and so on.​ There are many pros to having universal life insurance, but it can be tricky to find the right plan to fit your needs. Let us help, because in today’s world, you absolutely must be picky
Whole Life
Are life insurance policies which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. Whole life premiums are fixed, and do not increase with age.
Many people today are discovering after retirement; they've either lost their life insurance provided by their job's or it was significantly reduced. The problem is; it leaves seniors scrambling to get affordable life insurance, at a much older age. By then, health condition may have decline - and cost of insuring you has gone up. You are not alone.
No need to stress-out about affordability. You've come to the right place we can put you in touch with a professional that can help.
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If you are between the ages of 50 and 85 there are programs out there which allows you to get affordable whole life policy to cover your journey. Leaving your family with zero burdens.
Term Life Insurance
If you are between the ages of 21 and 40, we suggest term. The cost of coverage is reasonable and you can get sufficient coverage - it would provide your family the income they would have lost in the event of your death.
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Always keep in mind term life insurance is temporary and only covers you for the years that the policy is enforced. Meaning you must die before the term expires for it to be beneficial to your family. If you live beyond the policy expiration date, all the money you’ve spent on it will be lost.
