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PROTECTING YOUR FAMILY
LIFE INSURANCE

WE MAKE IT EASY TO BUY LIFE INSURANCE.

Which insurance best fits you?

We help you map out the pros and cons for each type of insurance so you can make an educated decision. Which one do you need – you choose!

Compare your TERM, PERMANENT and UNIVERSAL Life Insurance

Term Life Insurance

Convertible

✓ Exchangeable

✓ Tax-Free Benefit

✓ Flexile Coverage

✓ Easy to Understand

✓ Coverage up to 25 million

Permanent Life Insurance

 Lifetime Coverage

✓ Dependable Coverage

✓ Tax-Free Benefit

✓ Permanent Coverage

✓ Cash Value

✓ Cancelable Anytime

Universal Life Insurance

 Lifetime Coverage

✓ Range of Investments

✓ Tax-Free Benefit

✓ Coverage & Investing

✓ Access to Your Money

✓ Death Benefit Options

A term life insurance plan offers affordable coverage for a predetermined length of time. It gives your loved ones a financial benefit so they can continue to live a quality lifestyle.

Key Benefits of Term Life Insurance

Flexible

Choose any term starting from 10 to 100 years

Simple

Coverage is guaranteed for your entire term of the policy

Affordable

Term life premiums are typically much lower

Term life insurance is simple to buy and easy to afford, making it the ideal way for young families to get the financial security they need.

Permanent life insurance offers financial security to your loved ones—with premiums and coverage that never change.

Key Benefits of Permanent Life Insurance

Lifetime Coverage

With permanent life insurance you are covered for your entire life, your coverage does not end after a certain term.

Guaranteed Premiums

Premiums are guaranteed when you buy your coverage and remain unchanged for the life of your policy.

Tax-Free Benefit

A life insurance policy claim provides a tax-free death benefit to your beneficiaries when you pass away.

Permanent life insurance offers financial security to your loved ones—with premiums and coverage that never change.

Universal life insurance combines lifetime insurance coverage with the long-term growth potential of tax-advantaged investing.

Key Benefits of Universal Life Insurance

Lifetime Coverage

With universal life insurance you are covered for your entire life, your coverage does not end after a certain term.

Investing

A portion of your premium purchases your insurance, while the rest earns non taxable interest while it remains in your policy.

Access To Funds

Lifetime access to the funds in your policy to supplement your
income in retirement or during a time of illness.
A flexible solution that offers the security of lifetime coverage and tax-effective investing to help you protect your assets and your loved ones for the long-term.

How to Use Life Insurance?

Life Insurance when you are young

Purpose

Financial security at the lowest cost.

 

Coverage

Premium

$1,000,000
$20.85

Age

Cash Value

Premium

18
$1,000,000
$20.85
25
$1,000,000
$22.45
30
$1,000,000
$23.35
Monthly premium for female age 40, non-smoker with no medical conditions. Policy term 10 years.

Life Insurance in your 40’s

Purpose:

Financial security of the dependents.

 

Coverage

Premium

$1,000,000
$30.60

Age

Cash Value

Premium

40
$1,000,000
$30.60
45
$1,000,000
$39.60
49
1,000,000
$59.40
Monthly premium for female, non-smoker with no medical conditions. Policy term 10 years.

Life insurance for entrepreneurs

Purpose:

To pay off business loan.

 

Coverage

Premium

$1,000,000
$22.45

Age

Cash Value

Premium

25
$1,000,000
$22.45
35
$1,000,000
$24.98
45
$1,000,000
$39.60
Monthly premium for female, non-smoker with no medical conditions. Policy term 10 years.

Life insurance for retirement

Purpose:

Life insurance for retirement benefits.

 

Coverage

Premium

$100,000
$63.36

Age

Cash Value

Premium

35
$100,000
$63.36
45
$100,000
$92.52
55
$100,000
$144.63
Monthly premium for female, non-smoker with no medical conditions.

Life insurance for legacy

Purpose:

To leave a legacy.

 

Coverage

Premium

$100,000
$92.52

Age

Cash Value

Premium

45
$100,000
$92.52
55
$100,000
$144.63
65
$100,000
$265.41
Monthly premium for female, non-smoker with no medical conditions.

Life insurance for seniors

Purpose:

To take care of the final expenses.

 

Coverage

Premium

$10,000
$33.58

Age

Cash Value

Premium

65
$10,000
$33.58
70
$10,000
$40.15
75
$10,000
$54.15
Monthly premium for female, non-smoker with no medical conditions.

 

We're here for you.
Anytime you need us.

This may all seem confusing at first but we are here to advise you on the best option available for you and your loved ones.

Call us directly or schedule a call.