Life Insurance
Definitions
Term insurance: provides benefits in the event of death which often are used to pay final expenses, mortgages, car loans and other debts. For many families and businesses, term life insurance plays an integral role in their financial plans by providing significant amounts of protection when it is needed most. Proceeds can be used to pay bills or generate an income for a family when the breadwinner dies. Or, they can provide the cash needed to keep a business running if the owner or a key employee passes away.
Universal (whole) life: includes a savings aspect and can provide a level amount of insurance in the event of death, or an increasing amount of insurance in the event of death.
We encourage policyholders to establish a well rounded portfolio to provide for final expenses, pay off debts, income replacement and child care expenses (when children are present) as well as ensuring retirement funds. A plan for life insurance and family security doesn't just happen. It is the result of thought, analyzing your own personal needs, mapping out a plan and then beginning to take small steps to reach the goals you have set for your family. Losing a loved one is very difficult. To have to deal with the possibility of losing your home, child's college education plans, or the uncertainty of tomorrow, is unthinkable, yet it is UNAVOIDABLE.
A can of pop a day.....$ 1.00
A snack a day..........$ 1.50
Total a month(30days) $75.00
If you were to spend that much a month, a male age 35 could afford a $500,000 Life Insurance policy or MORE! For a female, $700,000! If you do not need that much protection, your cost is less.
What are you worth to your family? What would they do if something unforeseen happens? Can they afford to go on? Who would pay for the home? Do you have protection, as you would want it to be? Can you afford it? YES, because your family being fully protected is more important than a SNACK.
We all spend 2 to 3 dollars a day on non-essentials, the question is WHAT ARE YOU SPENDING toward the most essential need your family has for their future?
Let us provide you with the protection you need and can AFFORD! Call today for a quote and set an appointment to start your coverage as soon as possible!