Insurance
it’s for them
You don’t buy life insurance because you are going to die, but because those you love are going to live. Nothing matters more than the safety and well-being of your loved ones. You want to make sure they live comfortable, happy lives, no matter what may happen along the way.
There are completely new life insurance products that have been developed in the last decade to answer many financial planning needs. Besides the death benefit, there are now alternative ways to cover long-term care, disability, retirement income and spousal protection using life insurance policies and riders – you can even cover college expenses.
Not just a one-trick pony
1. INDEXED UNIVERSAL LIFE
Indexed Universal Life Insurance is a form of permanent life insurance that covers you for your entire lifetime. It’s an insurance policy where the benefit is assured to be paid upon your death (assuming the policy is kept current).
Also, unlike Term Insurance, the policy can accrue a cash value within specified “indexes” (such as the S&P 500 or Nasdaq 100).
2. TERM
Term life insurance is bought to cover a specific number of years but can later lead to a more long-term life insurance plan as your family’s needs change over time.
Typically bought on 10, 20, or 30-year terms, it’s a great option for people who want to be budget-conscious, but also be responsibly covered.
3. UNIVERSAL LIFE
Universal Life Insurance provides flexible but complete protection for your family, while still giving you options for adjusting your monthly payment to fit your situation.
With guaranteed death benefits that you choose, your family is secure financially in the future.
4. WHOLE LIFE
Build value into your life insurance with whole life protection that allows you to earn dividends from your investment, and premiums that never increase.
Over time, you’re adding value to your family’s present and future financial security.
“You can’t plan for the past, you can only plan for the future.”
— Modpreneur
“For 1/3 of what you spend on car insurance each month, you can insure your life. That’s an easy decision.”
— Modpreneur
“If what you thought was too good to be true ended up actually being true, when would you want to know?”
— Rich LaMonte
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