Although the basic uses for life insurance are the same as ever – income protection, final expenses, estate taxes, loan indemnification, legacy creation, wealth protection and a few others – the types you can purchase and the purchasing of it have improved greatly!
If it has been a while since you bought insurance, you may want to see what is new, especially if you have health concerns. Beware of the guaranteed preliminary plans on T.V. – the benefits are miniscule compared to what most people need.
We have access to several life insurance Brokerage firms that offer dozens of companies and all types of insurance – including special risk underwriting for people with health considerations. Last year, I was able to get a 2 million dollar Super Preferred Plus 20-year term policy (at age 68) despite donating a kidney in March of 2017.
As far as types of insurance, we offer everything from 10–30-year level term insurance, universal life insurance, no lapse universal life insurance, variable life insurance and traditional whole life insurance.
There is no better time to review your life insurance needs and options. Please give us a call or send us an email to get your FREE life insurance review.
Marc, Mary & Danielle