Why should you buy life insurance?
- Pays a death benefit to designated beneficiaries
- Can be structured to provide your family with an ongoing income to sustain the same lifestyle after one’s death.
- Pay off your mortgage
- Provide funds for your children’s education
- Pay off your loans and other debts
- Provide for your last expenses
Temporary Life Insurance
- T10 – premiums remain level for 10 years (most popular)
- Premiums increase at each renewal
- T20 – premiums remain level for 20 years (most popular)
- Premiums increase at each renewal
- Renewable and convertible options
- Other terms available
- Premiums increase with your age
Permanent Life Insurance
- T100 – premiums remain level to age 100
- Whole Life – participation in the insurance company’s dividends
- Universal Life – client makes investment decision
- Option a: Annual Renewable Term – ART
- Option b: leveled or fixed rate
Riders
- Total disability waiver – TDW
- Accidental death and dismemberment – AD&D
- Guaranteed insurability option – GIO
- Child protection rider – CPR
- Parent protection
Network with premier insurance companies, banks and investment fund institutions; working with tax and estate planning specialists for complex situations.
Contact us for your insurance.
Contact us for your insurance.