What policy is better for you?
As a good Financial Advise, it be find the best option in the matter of protection, with your life insurance or retirements need, you are not only accessing our expertise. You will join a group of different Providers with more that 150 years in the market. Insurance Provider that give to you and your family peace of mind in knowing that money will be available.
If you have a home and family, you want to protect it all. You have worked hard to establish a comfortable home and lifestyle for your family. So why not protect it? The protection covers your family in case you get sick and disabled; you are not available to pay your mortgage. There are different policies for different needs. just as you need to know what is your consent and what financial goals you want to have.
Did you know that your home may be greatest financial investment you make during your lifetime. It is also a place where family memories are made. Should not safeguard your home be a central part of your family’s planning. Consider that the true cost of your home is much more than face amount of its mortgage. Typically, with principal and interest, a 30 year mortgage will cost more than twice the amount of the original loan.
With today’s medical advances and increased life expectancies, you do have a good chance of living a long life. A policy with the partial return of premium option can offer you the coverage needed to protect you family. In addition, it provides the added benefit of returning premiums to you if you survive the term period selected. Yet, the unexpected can happen. Unfortunately, many families lose their homes each year due to death, disability, illness or unemployment.
There is a lot of insurance protection products.
One of them is the Term policy which it’s determines for specific period of time like 10,15 or 30 years. The term policy give more protection with less money. In the convertible option you can change that term insurance in the future for one whole insurance, the renewable you can renew one term policy for another term of time. Most of this insurance don’t require medical approved.
The whole life of permanent policy, you continually pay your policy until your life, it guarantees one high rate in cash value. A couple of guarantees limits, the cash value is the pay of the interest in the policy that is around 4-6% of interest. The whole life name continued policy, limited premium and another single premium. It is the only type of policy that give more provisions and protection to the insured in terms of cash value and benefit.
Another way you can protect your family for the retirement.
You can find protection buying an Annuity. The annuity is a contract between you and the insurance Company, where this company pays the interest over this investmentit will be similar with CDs, IRA an 401 K. There are two types: annuity fixed and variable. In the variable annuity the costumer assumes the risk, and in the fixed the insurance company take the risk. Indexed annuity is used that external branch mark, have tax deferred growth. The value do not fluctuate in relation with the market the value of your money never decrease with much potentials grow, give some balance for your retirements.
This products are acquired with strong Financial Institution and selling by qualified Broker. If you want more information contact us, for free quote and appointments.
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