protecting families
When we sit down with a family, we focus on what is right for them. We believe that when it comes to protecting your family, the need for education is so crucial. We offer everyone a Free Financial Needs Analysis that allows us to have a birds eye view of what really is happening with the client.
INCOME PROTECTION = TERM LIFE INSURANCE
Term Life Insurance - The Basics
- A term life insurance policy is the simplest, purest form of life insurance : You pay a premium for a period of time – typically between 10 and 35 years, depending on your age – and if you die during that time a death benefit is paid to your family (or anyone else you name as your beneficiary). Term life is typically more cost-effective than a permanent whole life policy – term policies are designed to REPLACE the income in the even that a loved one dies.
Here are some great features with our term life insurance
- Simple, affordable term life insurance
- Benefit- and feature-rich solutions
- Your own representative interested in you
- Up to 70% of face amount terminal illness benefit with waiver of premium with a maximum of $400,000
- Industry-leading renewal options
- Family banding
- Unique custom term solutions
- Increasing Benefit Rider
- 94% of claims are paid out within 14 days
- An average of $6.1 Million in benefit claims paid everyday
HOW MUCH COVERAGE IS ENOUGH?
It's not an easy question, but determining how much protection you need is the first step to securing your family's goals and dreams.
Things to consider:
- Debt - Even in the event of your untimely death, your debts live on. When determining the amount of life insurance you need, be sure to include funds to pay off your debts, including your final expenses.
- Income - A wise life insurance purchase is like buying a substitute for your income that can mean the difference between maintaining your family's current standard of living and financial disaster for those left behind.
- Mortgage - Housing can be a family's largest expense. Including the amount of your mortgage payoff in your insurance amount assures your family that they can continue to live in their home.
- Education - Don't let your children's dreams die if you do. Factor in the costs of education when calculating the amount of life insurance you need. Imagine the peace of mind knowing their education is secured no matter what.
Find your families solution
Every family has different goals, dreams, desires and needs. We want to make sure that we help you not only see that today, but allow your family to continue that for generations to come. Connect with us and lets work out a plan that is suitable for you and your future.
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