Life Insurance

There is a variety of policies and different types of life insurance available. Many offer customized coverage to meet your specific life needs.

 

Term Life Insurance

Summary:

  • Policies available for 10, 15, 20, or 30-year terms.
  • Greatest anount of coverage for the lowest initial premiums.
  • Good choice for young families on a tight budget.

Who would buy this product:

  • Married or getting married
  • Young families
  • Someone carrying a mortgage
  • Changing jobs
  • Retired or planning for retirement
  • Single

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Universal Life Insurance

Summary:

  • Flexibility of premium payments.
  • Policy accumulates cash on a tax-deferred basis.
  • Living benefits- access to cash for important uses such as child education or supplemental retirement income.

Who would buy this product:

  • Married couples
  • Parents with teenage children or college students
  • A homeowner
  • Changing jobs
  • Retired or planning for retirement
  • Single

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No Medical Exam Life Insurance

Summary:

  • Up to $1 million in coverage.
  • No paramedical exam after short health questionnaire.
  • Fast application approvals.

Who would buy this product:

  • Married couple or domestic partnerships
  • A parent or about to become one
  • A homeowner
  • Changing jobs
  • Retired or planning for retirement
  • Single

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Long-Term Care Insurance

Summary:

  • Provides medical and nursing care in case of chronic illness or disability.
  • Policy length and benefits determined after need analysis.
  • Coverage includes care provided at nursing homes, assisted-living facilities, or in-home services.

Who would buy this product:

  • Singles
  • Empty nesters
  • Family members becoming caregivers
  • Panning for future

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