Life Insurance Plans

To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder’s death.

A life insurance policy provides you, your family and your employees with peace of mind. After all, it’s nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.

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Life Insurance Plan Options

To plan means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder’s death.

A life insurance policy provides you, your family, and your employees with peace of mind. After all, it’s nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.

There are many types of life insurance policies and there are several factors to consider before purchasing a policy. We can help you understand the differences in coverage’s and how they work, how they pay, how they accumulate dividends and so forth.

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Permanent Life Insurance

A permanent life insurance policy is a contract with a life insurance company to provide protection throughout your entire life, as opposed to term insurance that just provides coverage for a specified number of years. As with term coverage, the death benefit is typically paid out income tax-free to beneficiaries.

Variable Life Insurancesquareplanit2024-03-29T09:17:54-05:00

Variable Life Insurance

What Is Variable Life Insurance? A variable life insurance policy is a contract between you and an insurance company. It is intended to meet certain insurance needs, investment goals, and tax planning objectives. It is a policy that pays a specified amount to your family or others (your beneficiaries) upon your death. This plan build cash value. A VLI policy has more flexibility, giving you the option to invest that cash value in securities such as mutual funds.

Term Life Insurancesquareplanit2024-03-29T09:17:54-05:00

Term Life Insurance

A term life insurance policy is the simplest, purest form of life insurance. You pay a premium for a period of time– typically between 10 and 30 years – and if you die during that time a cash benefit is paid to your family (or anyone else you name as your beneficiary). Term Life Insurance plans are generally more affordable.

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Permanent, variable and temporary plans