Life Insurance
What's Your Budget?
Remember, life insurance is always evolving and what you can do today may not reflect what you can do tomorrow. Getting started is the most important step you can take because even a little bit will help. We can help with all kinds of options but in the end you need to have a budget in mind. Letting us know that can help tremendously. We do not control the cost of insurance but if we know your budget we can help with realistic expectations.
Are You Prepared to Act?
The decision to buy and complete the application process may take anywhere from two to six weeks. Perhaps more in complicated cases. Be prepared for some paperwork and a medical exam of some type. This is not a physical as you know it but a short exam and question and answer session done at a time and place that is convenient for you.
From Problem to Solution
The problem we have found is that many consumers are confused by all their choices and reach the point of inaction. We try to help you eliminate the confusion and focus on what you are trying to accomplish:
- Family Security
- Mortgage and Other Debt Repayment
- Business Loan Requirements
- Charitable Giving
- College Education
- Cash Accumulation for Savings
Helpful Comparison Chart
| Feature | Term Life Insurance | Permanent Insurance |
|---|---|---|
| Term of Policy | 5, 10, 15, 20 years | Lifetime/or other time frame |
| Cash value accumulation | No | If desired |
| Low cost premium payments | Yes | More expensive in relation to Term insurance. |
| Flexible premium | No | Yes |
| Policyholder can borrow or withdraw available cash value | No | Yes, if structured that way |