Life Insurance

Choosing the correct Life Insurance program can be confusing, but choosing the wrong one can leave a financial scar on your family and your estate. Our insurance specialist help make sure you and your family are protected when it’s needed most. We are dedicated to putting together the most cost effective, tax beneficial plan possible.

The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

The four main types of life insurance we use in our planning are:

Term Life Insurance

• Fixed Death Benefit
• Level or Increasing Premium
• No Cash Value
• Pure Protection

Whole Life Insurance

• Fixed or Increasing Death Benefit
• Fixed Premium
• Cash Value
• Protection and Savings

Universal Life Insurance

• Flexible or Fixed Death Benefit
• Flexible Premiums
• Growth of Cash Value based on Declared Interest Rate and Policy Charges
• Protection and Flexible Savings

Variable Universal Life Insurance

• Flexible or Fixed Death Benefit
• Flexible Premiums
• Growth of Cash Value Based on Market-Based Investment Options and Policy Charges
• Protection and Investment

 

Don't just take our word for it. Read one of our Client Case Studies or visit our Testimonials Page to see what our clients have to say and learn more about how we can help you today.