What is life insurance?
Life insurance, simply put, gives you peace of mind.
Life Insurance is designed specifically to take care of the financial burdens that occur on the death of yourself or a loved one. It pays a death benefit (also called “Face Amount”) to your beneficiary at your death. This death benefit can be used for many things, including funeral expenses, mortgage debt or other final expenses. The beauty with life insurance is that you can tailor the coverage to your needs.
But life insurance is expensive. Right?
No, not necessarily. 80% of us are deterred from purchasing the right level of coverage because we believe it to be too expensive; that’s a huge number of our loved ones who are going to be left with debts when we die. There are many types of life insurance policies available, with products to suit every budget.
Yet, because of the specific way that life insurance is calculated (taking into account factors such as age, medical history and lifestyle), most of us will find it to be much more affordable than we originally thought.
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Won’t the benefits be taxed?
Not usually. Usually death benefits are Federal income tax free under the terms of the Internal Revenue Code.
What types of life insurance policies are there?
There are many different types of life insurance and we are happy to help you decide which coverage best suits your needs. Some of the products we carry are:
Term Life Insurance – Generally the most affordable option, this policy will give you death benefit coverage for a specific period of time or ‘term’.
Universal Life Insurance – This is designed to last a lifetime, which is the main difference between term and whole or universal life insurance.
Final Expenses/Burial Insurance – Provides coverage to help with funeral expenses and other costs.
Non Medical Life Insurance – This is the fastest way to get coverage as there is no need for a full medical examination.
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