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Life Insurance
What Is It and How Does If Help…
Insurance contract that pays out a sum of money either after a set period of time or upon the death of the insured person, is a contract between the career insurer and the policyholder. These are promissory to pay the beneficiary in exchange for premium.
Beneficiaries can use the money for whatever purpose they choose. Often this includes paying everyday bills, paying a mortgage or putting a child through college. life insurance is the safety net to ensure that your family sustain the quality of life; Allowing them to stay in their home and pay for the things that you planned
TERM LIFE Insurance
Hover Box Element
Term life insurance provides coverage for a certain amount of time and the premium payments stay the same amount for the duration of the policy. Typical choices are policy lengths are 10, 15, 20, 25 or 30 years.
If you pass away within the term of your policy, your beneficiaries can make a claim and receive the death benefit money, tax-free.
Once the term of the policy expires, you may be able to renew the coverage in increments
WHOLE LIFE Insurance
Hover Box Element
There are multiple types of permanent insurance: Whole, Universal, and Variable life insurance. Whole life death benefit and the premium are designed to stay the same (level) throughout the life of the policy. The most common type of plan is Whole life insurance which offers three kinds of guarantees:
- A guaranteed minimum rate of return on the cash value
- The promise that your premium payments won’t go up
- A guaranteed death benefit that won’t go down
- Life insurance completes your financial plan
- Cash-value life insurance can help you save
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