An independent agent is a licensed professional who is contracted with a number of different insurance companies. Some agents are "captive" and can only offer you policies through one company. An independent agent can reserach a number of companies for you to determine the best solution.
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Consider term life insurance if you only need coverage for a limited period of time10, 20 or 30 years. A death benefit is paid only if you die during the specified term of the policy. No cash values accumulate, making term costs less than permanent insurance coverage.
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Whole life insurance offers you a guaranteed fixed premium for the duration of the policy, a guaranteed death benefit and offers: cash values that can be designed to meet specific needs an ideal vehicle for estate and business insurance planning flexibility when used with buy/sell agreements, key employee plans, executive bonus and split dollar plans a variety of dividend options
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Universal life insurance (UL) allows you to make an initial payment on the policy with the flexibility to make subsequent payments nearly any time and in any amount. The UL policy will stay in force as long as there is enough cash value to cover the premiums.
Highlights: Permanent life insurance coverage Flexible premiums Adjustable death benefits Tax-deferred cash value accumulation Competitive interest rate
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Survivorship life (also referred to as Second-To-Die Life) is a form of life insurance which insures two people and pays benefits only after the second person dies. Its generally designed to provide funds to pay estate taxes.
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Disability Income is designed to replace a portion of your wages should you become unable to work. Critical Illness Insurance is designed as a living benefit to pay a lump sum amount, in most cases, for expenses incurred during a catastrophic illness such as cancer, heart attack, stroke, etc. Often, the Ciritcal Illness Benefit assists with costs not covered by traditional medical or income replacement policies.
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