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Life Insurance

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Life Insurance


Life insurance is one of the most important investments you can make. It is an investment in yourself and the future of your loved ones, and it is a way to secure your financial responsibilities to your family.

 

Your life insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family's dreams for the future become realities.

Term Life

Term insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years.

Universal Life

Universal life, also known as adjustable life, allows more flexibility than traditional whole life policies. The savings vehicle (called a cash value account) generally earns a money market rate of interest.

Whole Life / Permanenet Life

Whole life or permanent insurance pays a death benefit whenever the policyholder dies.

Variable Life

Variable life policies combine death protection with a savings account that can be invested in stocks, bonds and money market mutual funds.

Life Insurance Policy

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase.

Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

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Frequently Asked Questions

It's impossible to say, because the kind of coverage that is right for you depends on your circumstances and financial goals. But, generally speaking, term offers the greatest coverage for the lowest initial premium and is a great solution for people with temporary needs or a limited budget. Permanent insurance may make more sense if you anticipate a need for lifelong protection, or if the option of accumulating tax-deferred cash values is attractive to you. Also, it does not have to be one or the other. Often, a combination of term and permanent insurance is the right answer.

Determining how much life insurance you need requires an examination of your current and future financial obligations, along with the resources your family could tap. Your future obligations are a combination of what it would cost to help your surviving family members meet immediate and ongoing needs like funeral costs, taxes, food, clothing, utilities, mortgage payments, and your future obligations like college and retirement funding.

There are four main types. Whole life insurance is the most traditional form of permanent life insurance. With it, the face amount (the death benefit) and the premium (the amount you pay for protection each year) are fixed at the time you buy your policy and stay the same even as you age. You also get a guaranteed rate of return on your cash values. Of course, any guarantee relies on the claims-paying ability of the issuing insurance company. For more information on other kinds of life insurance give us a call.

If you miss a premium payment, you typically have up to a 31-day grace period during which you can pay the premium with no interest charged. If you own a term policy and fail to pay your premium within the grace period, your insurance company will typically terminate the policy. If you own a permanent policy and fail to pay your premium within the grace period, your insurance company, with your authorization, can draw from your policy's cash value to keep the policy in force. In some flexible-premium policies, premiums may be reduced or skipped as long as sufficient cash values remain in the policy. However, this will result in lower cash values and a shortened coverage period.

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