Life Insurance |
|
Life insurance is too often overlooked and without the proper
coverage, in
the event of your death, your loved ones may be severely impacted. |
||
|
|
Planning for financial aspects after your life may be a dismal thought, but it is vital for the financial protection for your family. Life insurance is too often overlooked and without the proper coverage, in the event of your death, your loved ones may be severely impacted. The single most important decision you make about your life insurance policy is that it best meets the needs of you and your family. To begin, the information below provides an overview of each type of life insurance plan available. By starting with a general overview of each policy type, you will be well on your way to making the best choice for you and your family. Types of Life Insurance
Term
Life Insurance:
affordable and flexible, provides coverage for a specified length or term. Permanent Life Insurance: provides coverage for the duration of your life. Whole Life Insurance: permanent insurance, where premiums remain the same through the life of the policy with a portion invested. Universal Life Insurance: similar to whole life, but more flexible with amount of premiums and death benefit adjustment. Variable Life Insurance: allows you to make decisions about where money gets invested. Variable Universal Life Insurance: allows you to adjust amount of death benefit, premium, and investment choices. Business Succession/Key Person find out how you can protect your business with a life insurance policy. Survivorship Life Insurance: insures both you and your spouse under one policy, with the proceeds payable after the second death. Group Life Insurance: specific to businesses providing life insurance coverage for their employees.
|
|
As independent brokers our policy selection is not limited to one particular company. If you have a special situation or a specific health concern, we have a multitude of carriers who may fill those needs. We use a national software program that can show you several different carriers comparing rates, industry ratings, and underwriting requirements
A life insurance policy can It can protect survivors, including: spouses, children, aging parents or business partners. It can pay your end-of-life medical costs It can preserve your right to buy more insurance later, when you may have more obligations, but may not have the good health you enjoy today. It can provide a legacy to a cause you believe in. It can pay off your debts if you should die while you still owe. This type of policy keeps your debts from becoming a burden to survivors. It can become a key piece
of your long-term financial
strategy.
Whole life insurance provides
an investment opportunity
and a future
source of low-interest loans. It can help you buy the house
of your dreams before you have
enough savings
for the down payment. At Ohanesian / Lecours / Lecours we work with many A+ ranked insurance companies to provide you with the most competitive quote. To receive a free insurance quote. Call us toll free at 1-800-525-9295. |
|