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Our Life Insurance Products
The cost of insurance is different for everyone, and your specific costs can determine the right financial decision for you. Find out your personalized numbers today so you can make the best decision for your tomorrow.
Term life insurance is often the most affordable coverage because it offers protection for a specific number of years. Some may spend more on cappuccinos each month than they would on term life coverage for their family.
You may want to purchase a term life policy to get valuable coverage at an affordable price to help cover specific financial responsibilities like a mortgage or college expense if you pass away. You may even want a term life policy to supplement a permanent policy or work policy.
An additional benefit of term insurance is that it is a simple product, so comparison shopping is quite easy. The market for selling term insurance is competitive, presenting good values for consumers.
A form of permanent life insurance, whole life insurance features guarantee premiums, death benefits, and cash value. Whole life insurance policies may also give you the potential to receive dividends, which may increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries.
You may want to purchase a whole life policy if you want protection for life, payments that stay the same each year, or to be able to put additional money into the policy on a tax-favored basis. This is cash value you may use while you are living.
Universal life insurance policies provide the flexibility to build your policy's cash value or focus more on protection.
If you are looking for other options, please feel free to contact us for a no obligation consultation. As we grow older, life insurance becomes a more fundamental part of having a sound financial plan and may be used in a number of different ways to help strengthen your portfolio.
If you have any questions please call us: (209) 442-4300
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