Life Insurance
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Life Insurance
What is Life Insurance and Do I Need It?
Life insurance is completely optional—but if you have loved ones who depend on your income or care, it’s one of the most thoughtful ways to protect their future if the unexpected happens.
How Much does Life Insurance Cost?
Premiums depend on factors like age, health, lifestyle, and the type of policy. Generally, younger and healthier individuals pay lower premiums.
Can I get life insurance without a medical exam?
Yes, some policies offer coverage without a medical exam, though they may have higher premiums or lower coverage limits.
What happens if I outlive my term life insurance policy?
If you outlive the term, the policy expires, and no benefit is paid. You may have the option to renew or convert the policy, depending on its terms.
Are life insurance payouts taxable?
Generally, life insurance death benefits are not subject to income tax. However, interest earned or certain estate situations may have tax implications
How much life insurance do I need?
There is never a one number fits all category when it comes to life insurance but our agents recommend using a life insurance calculator to roughly estimate how much your family or other dependants would need.
What Types of Life Insurance are There?
Term Life
Term life insurance provides coverage for a set period and pays a benefit if the insured passes away during that time. It’s affordable, straightforward, and what we recommend to 90% of our clients.
Whole Life
Term life insurance provides coverage for a set period and pays a benefit if the insured passes away during that time. It’s affordable, straightforward, and what we recommend to 90% of our clients.
Universal Life
Universal life insurance provides flexible lifelong coverage with a death benefit and a cash value component. It allows you to adjust premiums and benefits over time, offering long-term protection with more control.
Get Your Life Insurance Policy
Explore coverage by clicking button below & getting your term life quote or by giving us a call today!
Annuities
What is an annuity?
An annuity is a financial product that turns your money into a steady income stream—usually for retirement. You pay in now, and it pays you back over time.
How do annuities work?
You invest a lump sum or make payments over time, and in return, the annuity pays you income later—either right away or in the future, depending on the type.
Are annuities a good idea for retirement?
They can be! Annuities offer guaranteed income, which can help cover essentials after you stop working. They’re especially helpful if you want stability or outlive other savings.
What types of annuities are there?
The main types are immediate (start paying you right away) and deferred (grow over time and pay later). Each comes in fixed, variable, or indexed options.
Are annuities taxable?
Yes, however annuity earnings grow tax-deferred. When you withdraw money, the portion that’s profit is taxed as regular income.
When should I consider buying an annuity?
Most people look at annuities when approaching retirement or after maxing out other retirement options like IRAs or 401(k)s and still want secure income.
Get Can I Get an Anuity Set Up?
Explore coverage by clicking button below & telling us about your goals or by giving us a call today!
Long Term Care Insurance
What is long-term care insurance?
Long-term care insurance helps cover the cost of care services—like assisted living, nursing homes, or in-home care—if you or a family member can’t perform daily activities due to age, illness, or disability.
Do I really need long-term care insurance?
If you want to protect your savings and avoid relying solely on family or government aid for care, long-term care insurance can offer peace of mind and financial security.
What does long-term care insurance cover?
It typically covers personal care, assisted living, nursing home care, and even in-home services if you need help with daily activities like bathing, dressing, or eating.
When should you purchase long-term care insurance?
Most people consider buying in their 50s or early 60s—before health issues arise—so premiums are lower and you’re more likely to be approved.
Does Medicare pay for long-term care?
Medicare only covers short-term skilled nursing care. Long-term care insurance helps fill the gap for extended personal and custodial care.
How much does long-term care insurance cost?
Premiums vary based on your age, health, coverage amount, and policy type. Buying earlier typically means lower costs.
Get a Long Term Care Policy
Explore coverage by clicking button below & telling us about your goals or by giving us a call today!