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Types of Life Insurance
TERM LIFE INSURANCE - Affordable coverage for a specific period (10, 20, 30 years) - Best for temporary needs (mortgage, income replacement until kids are grown) - Lower premiums than permanent insurance - No cash value
WHOLE LIFE INSURANCE - Permanent coverage that lasts your entire life - Builds cash value you can access - Fixed premiums that never increase - Guaranteed death benefit
UNIVERSAL LIFE INSURANCE - Permanent coverage with flexible premiums - Builds cash value with potential for growth - Adjustable death benefit - More flexibility than whole life
INDEXED UNIVERSAL LIFE (IUL) - Cash value linked to market index performance - Principal protection (can't lose money in down markets) - Potential for higher growth than traditional universal life - Tax-advantaged access to cash value
HOW MUCH COVERAGE DO YOU NEED?
Consider coverage to:
✓ Replace your income for your family (typically 10-15x annual income)
✓ Pay off mortgage and debts
✓ Cover children's education expenses
✓ Provide for spouse's retirement
✓ Cover final expenses
We'll help you calculate the right amount based on your specific situation.
WHO NEEDS LIFE INSURANCE?
✓ Parents with dependent children
✓ Single income households
✓ Anyone with a mortgage or significant debts
✓ Business owners (for business succession or key person insurance)
✓ Anyone wanting to leave a legacy
✓ High net worth individuals (estate planning and liquidity)
WHY WORK WITH US?
- Independent Brokers, we only work with A Rated companies
- Access to multiple insurance companies for best rates
- Personalized Service
- Coverage tailored to your needs and budget
- Expert Guidance
- Help navigating policy types and features
- No Obligation Quotes
- Compare options with no pressure to buy