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Life Insurance Information
September is Life Insurance Awareness Month. See what Danica Patrick has to say about life insurance and protecting your family.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. Of course the term products can be tailored to your needs. We offer:
First Step Term to Age 30 - A $25,000 term policy for $70 per year for juveniles with issue ages 15 days to 17 years. Don't get caught with the expenses in the event of a tragic, unfortunate accident. This also gets your child and/or grandchild's foot in the door in case they were to develop a health condition, diabetes or some other condition that may cause them to become uninsurable. With this plan, regardless of health condition, it can be converted to a whole life or universal life policy up to $50,000 as long as converted prior to insured's 30th birthday.
Annual Renewable Term Life Insurance
10 Year Term Life Insurance - With Guaranteed Renewability
15 Year Term Life Insurance
20 Year Term Life Insurance - With Guaranteed Renewability
30 Year Term Life Insurance
20 Year Term Return of Premium Life Insurance
30 Year Term Return of Premium Life Insurance
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Since it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time, typically to age 120. We offer two basic types of permanent life insurance called Whole Life Insurance and Universal Life Insurance. Each basic type can be broken into policies tailored to your specific need. With whole life insurance, we offer:
Select Security Whole Life Insurance,
Final Expense Whole Life Insurance
Graded Whole Life Insurance
Sensible Benefits Whole Life - For Business Owners
Accumulation Universal Life
Single Premium Universal Life
The type of life insurance coverage that's right for you depends on your unique circumstances and financial goals.
The best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.
Contact Jason Brown today!