解决方案s to ensure your loved ones have what they need.
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
The most important investment you can make for your family.
Individual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off. 我们很乐意跟你谈谈这些选择.
Choosing between term, whole, 万能人寿保险.
第一个, you’ll need to determine the type of life insurance you want to buy, 最常见的是定期人寿保险, 终身保险, 万能人寿保险. 每个人都有自己的支付方式, and the plan you choose can be best determined by your individual needs.
点击它. 读它. 覆盖它.
Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, 还有大学学费, 费用, 房间, and board resulting in another potentially enormous expense. 如果你明天就死了, 是否有资金提供食物, 服装, 日托, 还有孩子的教育费用?
Having life insurance could secure the future for your children if you have an untimely death. 还有人寿保险, there could be enough income to help pay for everything your child might need while growing up.
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.
Many 家庭 lease or finance their automobiles these days. 如果家里的主要经济来源死了, the family could be left with outstanding car payments for years to come.
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
一旦退休, 你将靠社会保险生活, 如果你有幸拥有他们, 退休金退休金或退休基金, 太. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.
生活 insurance can help support a surviving spouse during their retirement.
如果你去世了，你的生意会受到影响吗? There are many complications and financial issues that can arise due to the death of a business owner. 许多人忽视了这种困境.
A life insurance policy can keep a business moving along even during tough times, 比如失去企业主/合伙人. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. 买卖协议, 由人寿保险资助, allows the other partners in the business to buy the deceased’s share of the business, 这将为他或她的家庭提供资金.
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
生活 insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.
定期人寿保险, you pay regular premiums for a set period and the policy only pays out if you die during this period.
终身寿险没有固定期限. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, 但这将减少你死后支付的金额.
Universal life insurance works in a similar way to 终身保险, 但你在提前取钱方面有更大的灵活性. You can even borrow money and repay it later; although, 如果你死后还有未偿还的贷款, 保单的赔付可能会受到重大影响.
The premiums you pay depend heavily on your age and medical history, 还有你想要保险赔付的金额. So, it’s important to seek expert advice before committing to life insurance.
联系 us and we’ll walk you through the options and help you to determine if term life insurance, 终身保险, 或者万能人寿保险适合你.
As an independent agency, we are here to help you find the right coverage.