An Introduction To Our Webinar
No matter what type of insurance protection you’re looking for, we’ve got you covered – literally and figuratively.
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Our team have plenty of experience. Frequency question always including:
The question of why is life insurance important. As total, the most important one is ensuring your family’s financial security and peace of mind. If anyone depends on your income, they would most likely struggle if you were to pass away. That’s why life insurance is so important to have. There are different types of life insurance policies, but essentially they all pay cash to your loved ones when you die. Money from life insurance can be used to cover daily living expenses, a mortgage or rent payments, outstanding loans, college tuition and other essential expenses. Life insurance is the best way to ensure that your loved ones would be in a good financial place if you and your income were no longer in the picture.
Life insurance covers virtually any type of living expense. 1.
Immediate Expenses
2.
Ongoing Expenses
3.
Future Expenses
If someone depends on you financially, you are most likely someone who needs life insurance.
Life insurance provides cash to your family or loved ones after your death. This cash, known as the death benefit, replaces your income and the many non-paid ways you support your household. Your family can use this cash to pay for expenses like funeral costs, a mortgage, college tuition and more.
Just a few examples of people who often answer “yes” to the question of “Should I get life insurance?”
Types of life insurance generally fall into two categories: term life insurance and permanent life insurance.
Term life insurance
Permanent life insurance
Retirement should be carefree — but as it approaches, many people find the thought of maintaining and possibly running out of money over time stressful. Enter annuities. These financial instruments provide you with a guaranteed income stream, either for a fixed length of time or for the rest of your life, depending on the annuity you choose.
There are different types of annuities that can provide the guaranteed income you need, when you need it. Choosing the right type typically depends on your financial situation, when you need payments to start and your risk tolerance.
Generally, annuities fall into the following types:
Fixed vs. variable. A fixed annuity delivers a fixed rate of return (the percentage growth each year), while a variable annuity lets you invest your annuity funds for a possibly higher—or lower—rate of return.
Immediate vs. deferred annuities. A single premium immediate annuity (known as a SPIA) can start to pay income right away, while a deferred annuity allows you to guarantee your income stream at a specific time in the future.
Guaranteed income for life. No other financial instrument can promise this.
Tax advantages. Annuities can offer you tax-advantaged growth as well as favorable taxation when your payments begin.
Continued payments to a surviving spouse and additional loved ones with joint and survivorship options.
Freedom from probate (a court-supervised proceeding). The proceeds from your annuity can go directly to family beneficiaries without having to set up a trust.
Versatility. Based on your goals, some annuities can be liquidated or exchanged for other products.
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