Permanent and/or Term Protection
Term Insurance
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- Affordable, cost efficient protection for shorter periods of time; usually 10, 20, 30 year term, or Term to 65 for a specific purpose
- This solution provides protection for temporary needs like mortgage replacement, line of credit, post secondary tuition, and more
- At the end of the specified period, the coverage will renew and keep in mind, you’ll have a number of options available during the life of your policy
Whole Life
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- Provides permanent protection with guaranteed premiums over a period of time, builds cash value tax-deferred and provides a death benefit independent of the cash fund.
- LEGACY Planning (one of our specialties and focus): The cash value can be accessed to fund education, next generation inheritance, renovate your home, supplement your retirement income, business loans, and more!!
- The cash value is invested in the company, thus, they manage your investment
- Pay for 10 years or 20 years
Universal Life
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- The power of paying a little more now to achieve financial peace, stability, and “a financial cushion” for tomorrow!
- UL provides cost effective life insurance protection and tax-advantaged investment opportunities
- Flexible payment options
- The cash value is invested in funds that you (and your broker) decide on.
Term to Age 100
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- Provides lifetime coverage at a static cost and pays the death benefit to your beneficiary(s).
- Premiums are paid for the life of the policy
Guaranteed Issue
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- No Medical Exams or Health Questions
- Regardless of your state of health or history
