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Life insurance is an uncomplicated and cost-effective means of ensuring that you and your dear ones have a sense of security.
Term Life Insurance
Term life insurance offers a fixed duration of coverage, usually ranging from 1 to 35 years, and pays out a death benefit if the policyholder dies during the policy term. It is a cost-effective alternative for young families and those seeking more affordable coverage. While certain term policies may permit renewal, there is no assurance of it.
Fixed Indexed Annuity
Fixed Indexed Annuities function by connecting premiums to an index and crediting them in a comparable way to IULs. This type of annuity provides principal protection and a death benefit, while also allowing for potential gains based on market performance. This tax-deferred insurance product can be designed to offer a lifelong income stream, serving as an additional source of retirement funds. Moreover, it ensures a guaranteed floor to shield against market downturns.
No-Medical-Exam Life Insurance
This inexpensive life insurance is specifically intended to pay for medical expenses and funeral costs, as well as to assist your loved ones in avoiding future financial difficulties. It offers long-term growth potential and versatile permanent life insurance coverage. No medical examination or blood work is necessary, and it includes a death benefit of up to $250,000.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a type of permanent insurance that shares similarities with traditional Universal Life (UL) policy in terms of its flexibility with premium and death benefit. However, IUL offers a greater potential for growth through index interest crediting. The policyholder has the option to allocate a percentage of the cash value towards specific indexes such as S&P 500 or Nasdaq 100, in order to potentially achieve higher returns.
Return-Of-Premium Term
Our Return of Premium (ROP) term insurance policy is an attractive option for customers as it refunds all premiums paid if the policyholder survives the term period. The premium returns can even begin as early as the second year. This policy ensures that policyholders have life insurance coverage if required and a return of premium investments if not.
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