Life Insurance
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How much life insurance do I need?
What type of policy is best? Is it still a good choice to pay on my old policy? I’m not sure what type of policy I currently own. These comments are very common, yet with a few simple questions, you can know the answer. Call me to find out the best option for your life insurance needs. For many people, the lowest cost life insurance is a term policy that lasts for a specific number of years, like 15, 20 or 30. The premium is considered level, which means the premium is the same amount each year and cannot increase over the term of the policy. Other people may need a cash value life insurance policy for estate, business, or end-of-life planning. There are several ways to structure these policies. In general, the goal is to either maximize the death benefit for the minimum amount of premium or maximize the cash value while maintaining a reasonable death benefit. Request A Quote Guarantees are based on the claims-paying ability of the underlying insurance company. Additional benefits and riders may increase the cost of premium. Applicants are subject to underwriting, which may include medical history and current health. |
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