Insuring What Matters Most
Life insurance products are designed to protect your family and provide for them when it matters most. You'll have peace of mind knowing that all of your assets and hard work will be preserved and passed on to your loved ones. With numerous options available from term life to universal life policies, we can help you find the right policy to fit your needs now and down the road.
Life Insurance can provide numerous benefits to your family, such as:
- Paying off the mortgage and other debts
- Providing funds to settle estate and final expenses
- Supplemental income for your partner
- Survivorship income for your family
Providing for Your Family
Would your family be able to maintain their standard of living if something were to happen to you? The death benefit on a life insurance policy can help your love ones sustain that quality of life by providing funds that can be used to cover the costs they normally incur, such as:
- Your final expenses, such as burial and estate settlement
- Mortgage, rent, and other loan payments
- Maintenance and utility expenses
- Childcare and tuition costs
- Day-to-day living expenses
Safeguarding Your Home and Your Children's Future
You will be able to rest easy knowing should something happen to you, your family will be able to keep their home. Your life insurance policy can be customized to include a lump sum death benefit that would cover your mortgage expenses and even allow loved ones to pay it off early if they so desire. It can also be used to include childcare and educational costs, such as college and private school tuition. Even if you have already set aside funds for your children's education, the death benefit can be used to pay other expenses so that your child's college fund will remain untouched.
Securing Your Retirement and Estate
Having life insurance can protect the retirement that you've worked hard to earn for yourself and your family. On a permanent life insurance policy you can access the available cash value to enhance your retirement income if needed. Also, the death benefit can be structured to provide living income to your spouse so they will not have to liquidate assets in order to meet expenses. It can provide the funding your family might need to meet the obligations of your estate, such as estate taxes, fees, and any debts you may have.