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Budget Life is a service for life
insurance consumers. We don't sell life insurance, nor are we
affiliated with any life insurance company.
SEE OUR DISCLAIMER.
_________________________
About Budget Life
The following life insurance companies head up our
Top 10: Americom Life Insurance Company, Banner Life Insurance Company,
First Penn-Pacific Life Insurance Company, Valley Forge Life Insurance Company,
West Coast Life Insurance Company.
We use a third party database of 150 life insurance companies to rank
in terms of lowest term life insurance rates.
Term life insurance rates have been dropping steadily in response to increased competition.
Term life insurance is a commodity, and improved access to insurance information, such as
at this Web site, are making it even more so. Whether to use life insurance as an
investment is a separate decision; but for just pure life insurance, which is term
insurance, why should you pay more than you have to?
This Web site also offers you the
opportunity to obtain life quotes from independent life insurance agents. These life insurance
agents use the same third party database to ensure that they have all the lowest life
insurance rates from over 150 life companies; they don't work for just one life
insurance company. They recognize that term life insurance is a commodity, and they work
to get the best rate for the consumer.
About Life
Insurance
Paying for life
insurance is painful, but few can do without it. The key is to buy life
insurance only for losses, such as your income, that you or your
family can not replace. Avoid narrowly defined life insurance
policies that only cover specific loss of life, such as
accidents, plane crashes or cancer. You're better off with
insurance for any loss of life for a small increase in premium.
Don't skimp on life insurance.
But remember that people with no dependents may not need life
insurance at all. To estimate the amount of a life insurance
policy, estimate your dependent's living expenses if your
income is no longer available. Most life insurance consultants
estimate five to ten times your annual income. You can
try this calculator for a quick estimate, or consult with your
financial advisor.
Term Versus
Whole Life Insurance
Term insurance , also
called temporary insurance, covers a person against death for a
limited time, the term. For example, the term might be until
children are grown, or until college is paid for, or until
retirement. You pay for the coverage period and at the end of the
term the contract, or policy, expires. If no claims are made
against the policy during the term, you don't receive any
benefits after the policy expires, just like auto or homeowners
insurance.
Whole Life insurance ,
also called permanent insurance, is permanent and does not expire
(assuming you continue to pay the premiums). It provides coverage
similar to term insurance, but it also provides an investment
vehicle. A portion of the premium goes toward insuring your life
while the other goes toward an investment account. This
investment account can be either an interest bearing account or a
stocks and bonds investment account.
Which is better (our
opinion)? Young families with large financial obligations are
usually better off with term life insurance. The substantially
lower premiums enable them to purchase sufficient coverage to
protect against loss of income. Any discretionary investment
funds can be placed in other vehicles (mutual funds, money market
accounts, etc.) that are likely to generate returns similar to or
better than life insurance contracts. Cash value insurance is
sometimes purchased by people for tax and estate planning
purposes. You should consult with your financial advisor.
Choosing an
Agent
Almost all life
insurance companies sell their products through agents, rather
than directly to the public. Some companies use
"captive" agents, who can only represent one company.
Most of the competitive term insurance providers (such as those
featured at this site) use independent agents, who are free to
represent several companies. These agents can help you
select from a variety of products and companies to tailor a plan.
The premium rate is set by the company, and it cannot be changed
by the agent. The price you pay for a given product will be the
same no matter where you buy it. "Price shopping" for
an agent will provide little benefit, assuming that you have the
basic product and pricing information to know what to ask for.
_________________________
Life Insurance
So, do some product research first, using a service
like BudgetLife, and then select a life insurance agent based on criteria such
as trust, experience, and access to a wide selection of products
and tools. Your goal should be to find, and then stick with, an
agent who can help you put together the best possible protection
plan for your specific needs.
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Inside Life Insurance Quotes Wiz Term Basics - What you need to know Lowering your life insurance costs Rating Life Insurance Companies Life Insurance Quotes Wiz is a FREE SERVICE dedicated to helping you with all of your life and term life insurance needs. With a
Nationwide network of life insurance experts waiting to answer all your questions, 1000's of life insurance policies are available! Life Insurance Quotes Wiz provides a place to shop in private with no hassles . With a policy in place today, you can: provide security for your family protect your home mortgage take care of your estate planning needs look at other
retirement savings/income vehicles People buy life insurance
because too often most of their other plans fail. They buy it because they realize the need of protection for their families after their death; or for a reserve for emergencies and of additional income for later years. Did you know that a life insurance policy can: Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.
Prevent a family's suddenly dropping from its accustomed standard of living after the death of the breadwinner. Provide continuous flow of funds for the living spouse. Allocate income funds for the children's education .
Provide a retirement income throughout old age . Provide a reliable savings plan for the future Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses. Furnish surplus earnings for the investors should disaster strike The bottom line is this: While Life Insurance is not
always the insurance product at the forefront of your thoughts, Life insurance is always a friend in time of need . Life Insurance Wiz Quotes: Select the type of quote you're interested in and fill in the form. It takes less time then one phone call to an agent! Within seconds, you'll know the companies who have the best rates
based on your profile. Questions or comments? E-mail service@lifeinsurancewiz.com With premiums for term
life insurance at their lowest in years, you can get the right protection and a great value." Consumer Reports More on life insurance quotes policies information!
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There are few subjects about a person's health that can be more sensitive than the use of alcohol. The lines between heavy drinking and alcoholism are blurry at best, but when it comes to life insurance, even a moderate drinker can have problems finding an affordable policy. Life insurers have ways of uncovering alcohol use. If you have past or current problems with it, read How alcohol use affects your life insurance premiums .
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Glossary of Terms
Beneficiary
The person(s) named in the policy to receive the life insurance proceeds upon the death of
the insured.
Cash (Surrender) Value
The amount that is available in cash for loans and that may be available for withdrawals.
Accessing Cash Surrender Value may reduce the death benefit and may increase the risk of
lapse.
Convertible Term Insurance
Term insurance which can be exchanged (converted), at the option of the policyowner
and without evidence of insurability, for a permanent insurance policy.
Dividend
A return of part of the premium on participating insurance that
is based on the insurer's investment, mortality, and expense experience.
Dividends are not guaranteed.
Face Amount
The amount stated on the face of the policy that will be paid in case of death. It does
not include additional amounts payable under accidental death or other special provisions,
or acquired through the application of policy dividends.
Insurability
Acceptability to the company of an applicant for insurance.
Insured or Insured Life
The person on whose life the policy is issued.
Level Premium (Life Insurance)
Life insurance for which the premium remains the same from year to year. The premium is
normally more than the actual cost of protection during the earlier years of the policy
and less than the actual cost in the later years. The building of a reserve is a natural
result of level premiums. The payments in the early years, together with the interest that
is to be earned, serves to balance out the underpayment of the later years.
Loan (Policy Loan)
A loan made by a life insurance company from its general funds to a policyowner on the
security of the cash value of a policy.
Paid-up Insurance
Insurance that will remain in force with no need to pay additional premiums.
Participating Policy
A life insurance policy that is eligible for the payment of dividends by the insurer (see
also Dividend.)
Permanent (Life Insurance)
Any form of life insurance except term; generally insurance that builds up a cash value,
such as whole life.
Policyowner
The person who owns a life insurance policy. This is usually the insured person, but it
may also be a relative of the insured, a partnership or a corporation.
Premiums
Payments to the insurance company to buy a policy and to keep it in force.
Renewable Term Insurance
Term insurance which can be renewed at the end of the term, at the option of the
policyowner and without evidence of insurability, for a limited number of successive
terms. The rates generally increase at each renewal as the age of the insured increases.
Term Insurance
Life insurance that does not build up cash value and where the premium normally increases
as the insured gets older.
Universal Life Insurance
A flexible premium life insurance policy under which the policyowner may change the death
benefit from time to time (with satisfactory evidence of insurability for increases) and
vary the amount or timing of premium payments. Premiums (less expense charges) are
credited to a policy account from which mortality charges are deducted and to which
interest is credited at rates which may change from time to time.
Whole Life Insurance
A basic type of permanent life insurance which can provide lifetime protection at a
level premium. Premiums must generally be paid for as long as the policy is in force.
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Insurance
Why should you have
insurance on your life? It's something you do to protect the ones
you love. It can also be used to provide business partners with insurance
protection. It's a mature decision, made when you recognize that
life's circumstances can be unpredictable and beyond your control.
What if something
happened to you and you couldn't take care of your family?
With an appropriate
insurance plan, you know that your loved ones will be protected. As the
beneficiaries of your insurance policy, your family would receive a tax-free
sum of money, called an insurance benefit. Because you planned ahead,
your family would be able to lead a comfortable life and build a secure
future.
Insurance can't prevent sickness, accidents or loss
of life. But insurance helps you prepare for all those possibilities.
There are several types of life insurance, and each is designed
to meet a different set of needs. When you buy life insurance,
your annual payments are called "premiums". The
size of the premium will vary, depending on the type of insurance,
and the amount of coverage. Some policies will accumulate
a cash value after a number of years. When you have sufficient
cash value, you can borrow money from your policy or use the
cash value as collateral for a loan.
Why do YOU need life insurance?
We can help you analyze your situation and understand why
you need insurance. We can answer all your questions, such
as:
How much insurance do I need?
Which family members should be insured?
What type of life insurance-term, permanent, universal
or savings-is best for my needs?
If you're looking for straightforward answers to your
questions, Contact Us
Find out more about which type of insurance would best suit
your needs:
Term Life Insurance
A low-cost solution that provides your loved ones with
insurance protection for a period of time, called a term.
Term life insurance can also be used to provide business partners
with insurance protection. The premiums will stay level and
not increase for the entire term.
You choose an insurance plan to meet your needs; for instance,
the term could be five years, ten years, or as many years
as it takes for you to reach a specified age. At the end of
the term, plans with shorter terms, such as the 5 or 10 Year
Term life insurance plans, often automatically renews the
insurance for another term, up to a maximum age. If the insured
person dies during that period, the beneficiary will receive
the insurance benefit.
Some term policies allow you to convert your insurance to
a permanent life insurance plan.
Permanent
Life Insurance
Provides insurance protection for your entire life. You have
the security of knowing your family will always be protected.
Even if your health changes, your insurance will cover you
for your lifetime.
Universal Life Insurance
A highly flexible financial solution customized to your unique
situation.
Universal life insurance provides permanent insurance, so
you have the security of knowing that your family will always
be protected. You get flexibility in the amount of life insurance,
and a number of premium payment options. In addition, universal
life gives you investment options, and the opportunity for
tax-sheltered growth.
You also get easy access to your cash. Once your policy has
accumulated sufficient cash value, you can make withdrawals
from the plan, or use the cash value as collateral for a loan.
Savings Plans
Financial solutions that allow you to maximize your savings
while providing your loved ones with insurance protection.
Use these savings for any purpose: for example: your children's
education; travel; down payment on a house; or retirement
income. These plans can be used to your advantage when building
your overall insurance, savings, tax and investment strategies.
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Results from search: http://www.budgetlife.com/
life insurance, term life insurance - term insurance rates from 150 companies
Life Insurance
150 TERM LIFE INSURANCE COMPANIES
TERM LIFE INSURANCE
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AGENTS
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LIFE INSURANCE COMPANIES
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LIFE INSURANCE QUOTES
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Expert Quote
Budget Life is a service for life
insurance consumers. We don't sell life insurance, nor are we
affiliated with any life insurance company.
SEE OUR DISCLAIMER.
_________________________
About Budget Life
The following life insurance companies head up our
Top 10: Americom Life Insurance Company, Banner Life Insurance Company,
First Penn-Pacific Life Insurance Company, Valley Forge Life Insurance Company,
West Coast Life Insurance Company.
We use a third party database of 150 life insurance companies to rank
in terms of lowest term life insurance rates.
Term life insurance rates have been dropping steadily in response to increased competition.
Term life insurance is a commodity, and improved access to insurance information, such as
at this Web site, are making it even more so. Whether to use life insurance as an
investment is a separate decision; but for just pure life insurance, which is term
insurance, why should you pay more than you have to?
This Web site also offers you the
opportunity to obtain life quotes from independent life insurance agents. These life insurance
agents use the same third party database to ensure that they have all the lowest life
insurance rates from over 150 life companies; they don't work for just one life
insurance company. They recognize that term life insurance is a commodity, and they work
to get the best rate for the consumer.
About Life
Insurance
Paying for life
insurance is painful, but few can do without it. The key is to buy life
insurance only for losses, such as your income, that you or your
family can not replace. Avoid narrowly defined life insurance
policies that only cover specific loss of life, such as
accidents, plane crashes or cancer. You're better off with
insurance for any loss of life for a small increase in premium.
Don't skimp on life insurance.
But remember that people with no dependents may not need life
insurance at all. To estimate the amount of a life insurance
policy, estimate your dependent's living expenses if your
income is no longer available. Most life insurance consultants
estimate five to ten times your annual income. You can
try this calculator for a quick estimate, or consult with your
financial advisor.
Term Versus
Whole Life Insurance
Term insurance , also
called temporary insurance, covers a person against death for a
limited time, the term. For example, the term might be until
children are grown, or until college is paid for, or until
retirement. You pay for the coverage period and at the end of the
term the contract, or policy, expires. If no claims are made
against the policy during the term, you don't receive any
benefits after the policy expires, just like auto or homeowners
insurance.
Whole Life insurance ,
also called permanent insurance, is permanent and does not expire
(assuming you continue to pay the premiums). It provides coverage
similar to term insurance, but it also provides an investment
vehicle. A portion of the premium goes toward insuring your life
while the other goes toward an investment account. This
investment account can be either an interest bearing account or a
stocks and bonds investment account.
Which is better (our
opinion)? Young families with large financial obligations are
usually better off with term life insurance. The substantially
lower premiums enable them to purchase sufficient coverage to
protect against loss of income. Any discretionary investment
funds can be placed in other vehicles (mutual funds, money market
accounts, etc.) that are likely to generate returns similar to or
better than life insurance contracts. Cash value insurance is
sometimes purchased by people for tax and estate planning
purposes. You should consult with your financial advisor.
Choosing an
Agent
Almost all life
insurance companies sell their products through agents, rather
than directly to the public. Some companies use
"captive" agents, who can only represent one company.
Most of the competitive term insurance providers (such as those
featured at this site) use independent agents, who are free to
represent several companies. These agents can help you
select from a variety of products and companies to tailor a plan.
The premium rate is set by the company, and it cannot be changed
by the agent. The price you pay for a given product will be the
same no matter where you buy it. "Price shopping" for
an agent will provide little benefit, assuming that you have the
basic product and pricing information to know what to ask for.
_________________________
Life Insurance
So, do some product research first, using a service
like BudgetLife, and then select a life insurance agent based on criteria such
as trust, experience, and access to a wide selection of products
and tools. Your goal should be to find, and then stick with, an
agent who can help you put together the best possible protection
plan for your specific needs.
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Life Insurance. Free Nationwide On-Line Real-Time Term Life Insurance Quotes from 100's of Companies!
Inside Life Insurance Quotes Wiz Term Basics - What you need to know Lowering your life insurance costs Rating Life Insurance Companies Life Insurance Quotes Wiz is a FREE SERVICE dedicated to helping you with all of your life and term life insurance needs. With a
Nationwide network of life insurance experts waiting to answer all your questions, 1000's of life insurance policies are available! Life Insurance Quotes Wiz provides a place to shop in private with no hassles . With a policy in place today, you can: provide security for your family protect your home mortgage take care of your estate planning needs look at other
retirement savings/income vehicles People buy life insurance
because too often most of their other plans fail. They buy it because they realize the need of protection for their families after their death; or for a reserve for emergencies and of additional income for later years. Did you know that a life insurance policy can: Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.
Prevent a family's suddenly dropping from its accustomed standard of living after the death of the breadwinner. Provide continuous flow of funds for the living spouse. Allocate income funds for the children's education .
Provide a retirement income throughout old age . Provide a reliable savings plan for the future Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses. Furnish surplus earnings for the investors should disaster strike The bottom line is this: While Life Insurance is not
always the insurance product at the forefront of your thoughts, Life insurance is always a friend in time of need . Life Insurance Wiz Quotes: Select the type of quote you're interested in and fill in the form. It takes less time then one phone call to an agent! Within seconds, you'll know the companies who have the best rates
based on your profile. Questions or comments? E-mail service@lifeinsurancewiz.com With premiums for term
life insurance at their lowest in years, you can get the right protection and a great value." Consumer Reports More on life insurance quotes policies information!
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Advantage Term Life Insurance Quotes The Lowest Rates on Term Life Insurance
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companies.
- Use our state of the art quoting engine to correctly qualify
yourself for the life insurance coverage that is best for you.
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"An Informed Consumer is a Smart
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Today's consumers can shop for the lowest term life insurance
quotes on hundreds of sites
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Internet. They can get quotes, but these quotes are just numbers until the insurance
companies underwrite the policy; only a small percentage of these policies are ever issued
as quoted. We believe in doing it right the first time. We will carefully review your life
insurance quote request and provide you with informed objective advice on your life
insurance needs. It is our goal to provide each customer with the best term
life insurance quote.
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an Advantage Term Life Insurance Quote Works
Getting you the lowest rate possible based on your situation is our only task. We
write high volumes of life insurance policies all over the United States. Therefore, we will not
waste your time with endless phone calls. We will contact you within 24 hours with your
quotes. All of our life insurance quotes are free and come with no obligation. Getting you the lowest rates possible based on your situation is our only task.
We offer quotes on term life insurance, whole life insurance and universal
life insurance.
Advantage Term Life Insurance Quotes
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the most value from your life insurance policy today, give us a call or fill out our
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Lapsing: The effects of lapsing your life insurance
Life settlements: To sell or not to sell?
Lost policies: What happens to old lost policies?
Lost-policy finder services
Medical exams for life insurance
Mental illness and buying life insurance
Overweight: Life insurance problems
Privacy: What your health, life, and disability insurers know
Save money: Ten ways to save on life insurance
Second-to-die life insurance
Smoking and life insurance
Taxes on class action settlements
Term life insurance basics
Trusts for child beneficiaries
Universal life insurance
Variable annuities, immediate
Variable annuities:"Bells and whistles"
Variable life and variable annuity subaccounts
Variable annuity library
Viatical library
Viaticals: Who regulates them?
Life insurance needs estimator tool
Know how much life insurance you need before you get prices.
How your blood pressure and cholesterol affect your life insurance costs
Know what to expect if you have any combination of high blood pressure, high cholesterol, and high weight.
American Bankers faces $3 million sanction for failing to comply with consent order
American Bankers just can't seem to get it together.
American Chambers Life Insurance Co. sued for misuse of funds
The company diverted money away from policyholders' claims.
Unitrin to pay more than $27 million over race-based life insurance pricing
Some folks have been paying higher premiums up until this day because of their race.
A history of mental illness doesn't have to stand between you and affordable life insurance. In fact, if your symptoms were mild and you responded well to treatment, you may even qualify for the best-priced life insurance premiums available. How a history of mental illness can affect your life insurance costs
There are few subjects about a person's health that can be more sensitive than the use of alcohol. The lines between heavy drinking and alcoholism are blurry at best, but when it comes to life insurance, even a moderate drinker can have problems finding an affordable policy. Life insurers have ways of uncovering alcohol use. If you have past or current problems with it, read How alcohol use affects your life insurance premiums .
The insure.com Life Insurance & Annuity Tax Tool
Before you decide to take action with your life insurance policy or annuity, find out what will be going into Uncle Sam's pocket.
Have a basic question? See our Life Insurance and Annuities Frequently Asked Questions .
In the Life Insurance and Annuities Forum :
My mom, who passed away seven months ago, told me and my siblings that she had life insurance policies on us. We don't know where to find them and don't know the name of the company that she used. How do we find these policies?
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Glossary of Terms
Beneficiary
The person(s) named in the policy to receive the life insurance proceeds upon the death of
the insured.
Cash (Surrender) Value
The amount that is available in cash for loans and that may be available for withdrawals.
Accessing Cash Surrender Value may reduce the death benefit and may increase the risk of
lapse.
Convertible Term Insurance
Term insurance which can be exchanged (converted), at the option of the policyowner
and without evidence of insurability, for a permanent insurance policy.
Dividend
A return of part of the premium on participating insurance that
is based on the insurer's investment, mortality, and expense experience.
Dividends are not guaranteed.
Face Amount
The amount stated on the face of the policy that will be paid in case of death. It does
not include additional amounts payable under accidental death or other special provisions,
or acquired through the application of policy dividends.
Insurability
Acceptability to the company of an applicant for insurance.
Insured or Insured Life
The person on whose life the policy is issued.
Level Premium (Life Insurance)
Life insurance for which the premium remains the same from year to year. The premium is
normally more than the actual cost of protection during the earlier years of the policy
and less than the actual cost in the later years. The building of a reserve is a natural
result of level premiums. The payments in the early years, together with the interest that
is to be earned, serves to balance out the underpayment of the later years.
Loan (Policy Loan)
A loan made by a life insurance company from its general funds to a policyowner on the
security of the cash value of a policy.
Paid-up Insurance
Insurance that will remain in force with no need to pay additional premiums.
Participating Policy
A life insurance policy that is eligible for the payment of dividends by the insurer (see
also Dividend.)
Permanent (Life Insurance)
Any form of life insurance except term; generally insurance that builds up a cash value,
such as whole life.
Policyowner
The person who owns a life insurance policy. This is usually the insured person, but it
may also be a relative of the insured, a partnership or a corporation.
Premiums
Payments to the insurance company to buy a policy and to keep it in force.
Renewable Term Insurance
Term insurance which can be renewed at the end of the term, at the option of the
policyowner and without evidence of insurability, for a limited number of successive
terms. The rates generally increase at each renewal as the age of the insured increases.
Term Insurance
Life insurance that does not build up cash value and where the premium normally increases
as the insured gets older.
Universal Life Insurance
A flexible premium life insurance policy under which the policyowner may change the death
benefit from time to time (with satisfactory evidence of insurability for increases) and
vary the amount or timing of premium payments. Premiums (less expense charges) are
credited to a policy account from which mortality charges are deducted and to which
interest is credited at rates which may change from time to time.
Whole Life Insurance
A basic type of permanent life insurance which can provide lifetime protection at a
level premium. Premiums must generally be paid for as long as the policy is in force.
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Why should you have
insurance on your life? It's something you do to protect the ones
you love. It can also be used to provide business partners with insurance
protection. It's a mature decision, made when you recognize that
life's circumstances can be unpredictable and beyond your control.
What if something
happened to you and you couldn't take care of your family?
With an appropriate
insurance plan, you know that your loved ones will be protected. As the
beneficiaries of your insurance policy, your family would receive a tax-free
sum of money, called an insurance benefit. Because you planned ahead,
your family would be able to lead a comfortable life and build a secure
future.
Insurance can't prevent sickness, accidents or loss
of life. But insurance helps you prepare for all those possibilities.
There are several types of life insurance, and each is designed
to meet a different set of needs. When you buy life insurance,
your annual payments are called "premiums". The
size of the premium will vary, depending on the type of insurance,
and the amount of coverage. Some policies will accumulate
a cash value after a number of years. When you have sufficient
cash value, you can borrow money from your policy or use the
cash value as collateral for a loan.
Why do YOU need life insurance?
We can help you analyze your situation and understand why
you need insurance. We can answer all your questions, such
as:
How much insurance do I need?
Which family members should be insured?
What type of life insurance-term, permanent, universal
or savings-is best for my needs?
If you're looking for straightforward answers to your
questions, Contact Us
Find out more about which type of insurance would best suit
your needs:
Term Life Insurance
A low-cost solution that provides your loved ones with
insurance protection for a period of time, called a term.
Term life insurance can also be used to provide business partners
with insurance protection. The premiums will stay level and
not increase for the entire term.
You choose an insurance plan to meet your needs; for instance,
the term could be five years, ten years, or as many years
as it takes for you to reach a specified age. At the end of
the term, plans with shorter terms, such as the 5 or 10 Year
Term life insurance plans, often automatically renews the
insurance for another term, up to a maximum age. If the insured
person dies during that period, the beneficiary will receive
the insurance benefit.
Some term policies allow you to convert your insurance to
a permanent life insurance plan.
Permanent
Life Insurance
Provides insurance protection for your entire life. You have
the security of knowing your family will always be protected.
Even if your health changes, your insurance will cover you
for your lifetime.
Universal Life Insurance
A highly flexible financial solution customized to your unique
situation.
Universal life insurance provides permanent insurance, so
you have the security of knowing that your family will always
be protected. You get flexibility in the amount of life insurance,
and a number of premium payment options. In addition, universal
life gives you investment options, and the opportunity for
tax-sheltered growth.
You also get easy access to your cash. Once your policy has
accumulated sufficient cash value, you can make withdrawals
from the plan, or use the cash value as collateral for a loan.
Savings Plans
Financial solutions that allow you to maximize your savings
while providing your loved ones with insurance protection.
Use these savings for any purpose: for example: your children's
education; travel; down payment on a house; or retirement
income. These plans can be used to your advantage when building
your overall insurance, savings, tax and investment strategies.
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