Having The Right Life Insurance Is Key to Preventing Your Family’s Financial Future, And It’s Attainable Through Our Customized Life Insurance Products.

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Based On Your Family’s Financial Needs, We Shop Hundreds of Carriers to Find You the Right Plan at The Right Price.

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For Over 9 Years, We Have Saved Hundreds of Families from Such Financial Disasters. We Customize Your Life Insurance with Riders to Bridge the Gaps Based on Your Financial Needs.

Death is a subject no one wants to think about, but it’s a fact of like. If someone depends on you financially, you must take action to protect that loved one. In the event of a tragedy, life insurance proceeds can:

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· Pay for funeral costs.

· Help pay the bills and meet ongoing living expenses.

· Pay off outstanding debt, including credit cards and mortgage.

· Continue a family business.

· Finance future needs like your children’s education.

· Protect a spouse’s retirement plans.

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Life insurance is an excellent place to start when you want to provide financial security to those who matter most to you. It can protect your loved ones by providing a death benefit, so they have one less thing to worry about during tough times. Some policies also build cash value you can use if you need it.

Term life insurance provides coverage for a defined number of years. You pay a fixed premium for a policy that covers you for a specific period and pays out a set amount if you die within this period. Term Life insurance is the most basic life insurance; it’s also typically the most affordable.

Whole life insurance offers a lifetime of protection. Unlike term insurance, some Whole life insurance products can build cash value that you may be able to borrow against to pay for things like home renovations or children’s college education.

Cash value accumulation within a whole life insurance policy occurs when a percentage of your premiums are directed to a cash-value account. A whole life cash value account can earn a guaranteed minimum interest rate. However, withdrawals or loans may reduce the death benefit, and cash value may affect how long the insurance contract is in effect and may have tax consequences. For loans, interest may be charged.

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Additionally, some whole life insurance products pay dividends to policyholders.

Like whole life insurance, universal life insurance provides a death benefit and the cash value feature that lets you accumulate and earn interest, generally tax-free. In contrast, the cash remains in the policy. One of the main differences between universal and whole life is that Universal life insurance is designed to be flexible; it provides premium flexibility within maximum and minimum premium limits. Some policies may allow you to increase or decrease your coverage to suit your needs at various life stages if your policy is valid. For example, you can choose to reduce your death benefit as you pay down your mortgage.

Universal life insurance is also different from whole life in that you may be able to choose from a minimum guaranteed interest rate or a competitive non-guaranteed interest rate for the cash value portion of your policy. Your cash value account earns more if you select a non-guaranteed rate and interest rates go up. If they go down, it makes less. Partly because of this risk, your premiums may be higher than those of a whole life policy. However, you might be able to skip premium payments for some time if there’s sufficient cash value to cover the premium bill. Alternatively, if interest rates go down and you don’t have enough cash value, you may see your premiums rise.