Life & Health

Purchasing Life and Health Insurance can be confusing and unrewarding for the consumer who tries to navigate the marketplace on their own. It is very difficult for the consumer to make good decisions when they do not understand their needs. Our experienced advisors will help determine your needs and then offer the best insurance plan from the best company at affordable prices. Many consumers admit that looking at the available health insurance plans is like reading the menu at a Chinese Restaurant. We want to help you take the guess work out of your purchase and make certain that you understand the coverage afforded in each policy offered.

“How much life insurance do I need” is a typical question asked by the consumer. Our advisors will help you determine your insurance needs by offering a brief and easy “Needs Analysis”. We help you determine the most affordable amount of coverage for you and your family and follow up with you annually for a brief review. Life insurance comes in many flavors and sizes and it is important to know why to purchase and how much. Our goal is to out together a plan that will met your needs at affordable prices and use only highly rated and reputable companies. Your decisions when purchasing life insurance will affect your surviving loved ones and we are prepared the best advice to meet your needs and the needs of your survivors.

Life Insurance Information.
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 general 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.

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. Because it is designed to last a lifetime. It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals.

But remember, 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.

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