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Life Insurance Life insurance provides protection for your family and loved ones while allowing you to meet your financial goals. Life Insurance policies remain in force while premiums are paid to the insurance company. Whether term life or whole life, in the event of death, a death benefit is paid to the beneficiaries income tax-free. Today there are many forms of life insurance including whole-life, term life, variable life, universal life, equity indexed life and even more hybrids. Choosing the right kind and the right company is of paramount importance. We can aid you in making an informed, intelligent decision. Whole life insurance can also provide a living benefit. When premiums are paid, part of it goes into a cash reserve and accumulates as cash value tax-deferred. Generally you can access this cash values at any time, for any purpose. You can use cash values for such things as education, retirement income, long-term care and many other needs. The policy remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy. Term insurance provides protection at an affordable rate over a specified period of time. Generally, term policies cover periods of 1-30 years with 20 year term being the most popular. The longer the term covered, the more expensive the premium. While there are many theories on how to buy life insurance, the only one that provides for your full economic benefit is the human life value approach. Needs based analysis doe's not address this issue completely, primarily because it focuses on the death benefit and immediate needs. Since it is impossible to predict the future, the needs based approach is flawed. When purchasing life insurance, ask your agent about human life value. Life insurance is a good thing, and provides many benefits to its' owners, as well as a social benefit to society. Term life provides temporary protection and whole life provides permanent protection. In recent years it has been sold for the wrong reasons, on a needs only basis as a death benefit. Life insurance is not just about death, but about living and adding value to life. It can be used as a tool to achieve financial success. Most people want the same things out
of life - happiness, success and reasonable wealth. We strive to
help our clients achieve these goals through maximum protection of
their life, income and assets. Learn more Life Insurance Consumer Information If you would like to speak with a
live person, and receive a free life quote, please call(228) 875-5545. Do you need life insurance? Once you learn the benefits, a better
question may be, how much do you want?
Who needs life insurance? Find out if Whole Life Insurance is right for you. Whole Life Insurance Information Have you been turned down for Life
Insurance? With Guaranteed Issue Life Insurance, it’s easier than
ever to get protection you can count on regardless of your health.
Guaranteed Issue Life Insurance
Life Insurance Consumer Information
To receive a free life insurance quote, click here
FREE Life
Insurance Quote Want to know the facts about life insurance? Discover why it should be the center of your financial plan. Get FREE Tips and Information when you subscribe to the Financial Intelligence eZine.
Quoting services provided in all 50 states via our affiliates.
Independent Agent: Barry Page |
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© 2005-2008 Legacy Insurance Agency, PLLC |
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