Life Insurance

There are many different types of insurance products, and they are best when matched to the appropriate life event. Contact me so that we can best determine what type of a policy will fit your needs.

Term Life

Term life is an affordable way to get the kind of life insurance coverage you and your family need, but what kind should you buy, and how much? There is a lot to consider! I’m here to help, just give me a call to set a convenient time to discover what your particular families needs will be.

Whole Life

Whole life insurance offers a combination of permanent life insurance protection, cash value accumulation, guarantees and income tax advantages. A whole life insurance policy can be a versatile financial asset that may help you address a variety of financial needs during various stages of your life.

Key Features of Whole Life Insurance

  • Guaranteed death benefit
  • Guaranteed premiums
  • Guaranteed cash value that accumulates on tax-deferred basis
  • “Living Benefits” – utilize the cash value of the policy for a number of financial needs*
  • Optional disability Waiver of Premium Rider is available as well.

Universal life

Universal life insurance (often shortened to UL) is a type of permanent life insurance, primarily in the United States of America. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial product such as a stock, bond or other interest rate index, the policy is a “Equity Indexed Universal Life” contract.

Final Expense Insurance

You may believe that you have your final expenses covered because you have life insurance. Most people with life insurance believe that. However, it takes a few months to collect on a life insurance policy, and funeral expenses require immediate payment. There are always bills to be paid for a month or two as well to consider. Final Expense money is immediate. When a funeral home knows you have a final expense policy, they know they will be paid very soon.

It’s inexpensive, and you can purchase as little as $2500 and as much as $50,000.

Call me, I am happy to give you a quote to meet your families' requirements at a time that needs to be stress free. 707-324-9994