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The Importance For Your Family

When you have people – parents, children, spouses or partners – relying on you for support, one of the best gifts you can ever give them is the gift of a secure future. Buying and maintaining a quality term or whole policy is an important and affordable way to protect your loved ones in the event of your death.

There are pros and cons to each type of coverage, and other options to consider before you buy, so make sure to read all about your choices in order to learn which one best suits your needs. When in doubt, speak with one of our specialists for even more information!

COMPARE RATES

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Affordable Options
Term       Variable       Universal       Whole

No matter what sort of policy you seek, we can help you find the best rates for coverage. We are happy to work with people of all ages, regardless of their health, weight, or smoking history, and we pride ourselves in providing support and information on your choices from start to finish.

The Variable Life Option

If you are looking for alternatives to whole life policies that allow investments and withdrawals, you should consider this option.  Variable Appreciative Life Insurance is the formal name for this sort of policy, which allows individuals to set aside a portion of their premiums to a separate account.  The proceeds in that account are then invested in the insurer's portfolio, into things like mutual funds, money markets, and bond funds.  One benefit is that you are not taxed on the money made from these investments until after death, when the policy pays out.  You can also use the money earned in your “savings” account to your premiums, so once you start making a sizable income on your investments, you will not have to pay much out of pocket to keep your coverage in force.

Unfortunately, with variable life, you are getting cheaper rates because you are assuming a large portion of the risk.  Your investments are not protected or guaranteed, and you cannot withdraw cash from the policy before your death.  If those things are important to you, you would be better off to consider a whole life situation with a higher premium to go along with the increased protection it offers.