Being prepared for the inevitable (death) to protect the financial well being of your loved ones is imperative. It can be overwhelming with the options one may have to choose from. Life insurance can be such a versatile tool to have in your portfolio for many purposes while living or after you are no longer here. Having a mass portfolio of products to choose from allows us to ensure that it will fit within your budget for your short and long term financial needs.
Also Known As: Final Expense or Burial Insurance
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. The premiums remain the same, along with the death benefit. Be sure to ask about a whole life with dividends to see if you qualify or if that is a good fit for your needs.
Also Known As: Universal Flexible Premium or UL or IUL
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
Also Known As: Mortgage Protection Insurance or Term
Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change. Terms typically are 10/15/20/30 Years. This is usually the most affordable type of insurance for the largest amount of protection.
Also Known As: Annuities or the use of other vessels to fill that gap
Many Life Insurance policies, including annuities can be used to supplement your retirement portfolio. It's all dependent upon what you currently have set up to determine what could benefit you most. It can be used to offset taxes when you start drawing from your IRA, policies can grow tax deferred, etc. etc. Again, it's all based on what your portfolio currently looks like and what the overall objective is.
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