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Life Insurance

Term Life Insurance

Term Life Insurance offers temporary protection for a set number of years, typically in 10, 20, or 30-year terms. Your rates and opportunity for renewal are guaranteed. Term Life Insurance allows for large amounts of coverage at an affordable price.

 

When selecting a term product, you should consider the time frame that you will need the coverage, and take into account when:

  • debts such as mortgages will be repaid

  • retirement savings will be fully funded

  • primary dependency period will end, especially in children’s education

 

 

WHO NEEDS TERM INSURANCE?

 

Individuals looking for:

  • coverage for short periods

  • mortgage repayment

  • debt repayment

  • income replacement

  • any temporary need

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Permanent Life Insurance

Permanent Life Insurance protects your entire lifetime, offering a guaranteed benefit as the policy will not expire. Coverage stays in place until death, regardless of age, and can be designed to be paid up at a certain age.

 

There are three general types of permanent life insurance:

  • T-100 – without cash value

  • Universal Life –  includes an investment component that grows tax deferred

  • Whole Life – with cash values

 

 

WHO NEEDS PERMANENT INSURANCE?

 

Individuals looking for:

  • coverage which will last a lifetime

  • estate creation, conservation, maximization or
    equalization

  • part of an insured annuity or pension maximization

  • providing an endowment to a charity

  • any permanent need

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