Protect what’s important with life insurance
Life insurance has been one of our expertise for over 15 years and it would be our pleasure to be a resource for you in this area.
Purchasing life insurance doesn’t have to be a costly undertaking. We can help review the life insurance you already have in place, help you determine how much life insurance you need, show you all your options, and run cost comparisons for you.
TERM LIFE INSURANCE
This type of insurance has a fixed premium for the entire term or duration of your policy.
UNIVERSAL LIFE INSURANCE
This is a type of flexible permanent life product that offers flexible premiums, a level or increasing death benefit, and a tax-deferred saving opportunity.
VARIABLE/ INDEXED UNIVERSAL LIFE INSURANCE
This is a type of permanent life product where the cash value is invested in a number of sub-accounts (similar to mutual funds) or into an equity index account.
What Stage Of Life Are You In?
If something happened to your spouse would you be able to maintain your standard of living, or vice-versa?
If you’re a parent or soon to be parent, life insurance is imperative because your children rely on you for everything.
Use life insurance to pay down a mortgage so that your family doesn’t have to move if something happens to you.
With a chance in job or job position may come a change of income. Right after you’ve accepted a new job or received a promotion would be a great time to review your financial needs.
A life insurance policy can cover the full amount of your children or grandchild’s education costs should something happen to you.
Make sure your spouse will not have to make a drastic change in their lifestyle if you pass away unexpectedly during retirement.
Make sure your business is covered should something happen to you so the company can continue its operations.
If you are involved in a business partnership, you should consider getting coverage on your partner’s life (and vice-versa). If your partner dies, the death benefit can provide you with enough cash to buy out his or her shares without having to sell the company itself.
The earlier, the better when it comes to purchasing life insurance because you lock in the rates when you purchase it. As a single person it may be important to consider purchasing coverage to help you plan for the future. Or if you are a single parent or are providing financial support for family members, you will definitely want to take a look at your options should something happen to you so that those that depend on you are free from any financial burdens.