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Life Insurance pays a cash benefit to
an insured person’s beneficiary.
It is critical to use a licensed, professional broker when searching for the right policy to protect your family or business. There are a few basic types of life insurance coverage.
Term Life Insurance
Guaranteed premiums and premiums stability for the term length chosen. Generally, Term 10, Term 20 or Term 30 are the most common term lengths.
Universal Life Insurance
Universal (or Permanent) Life Insurance has the flexibility of a tax sheltered investment account that can be used for your benefit or sit dormant.
Whole Life Insurance
Looking for cash values and guaranteed growth? Whole life insurance is an excellent option. Policies can be purchased and ‘paid-up’ in 10, 15, 20 years or for life.
Individuals considering mortgage coverage should always use an individual policy and avoid an offer of insurance from their lender.
Key Person Insurance
Businesses suffer a loss of income and productivity when key employees was lost. Ensure your business has immediate cash while finding a suitable replacement.
Shareholder Life Insurance
Fund buyouts of shareholder agreements by insuring lives of each shareholder. Provides the liquid cash to buy out the estate of a deceased shareholder.
No longer insurable due to declining health? Guaranteed Issue plans offer coverage without requiring medical evidence of good health.
Special Risk Life Insurance
Due to extensive travel, extreme sports, unique exposures, high income or corporate contracts Key persons may fall into the special risk category.
Managing risk while building wealth is name of the game with an insured retirement plan.