LIFE INSURANCE
For New Beginnings, the solid foundation of Life Insurance
Protect Your Loved Ones
Your family means the world to you and you want to make sure they’re taken care of now and after you’re gone. You want to ensure that your family stays in the home they love. You want to help your kids get a quality education…just the way you planned. You want to pay for your daughter’s dream wedding, the one she told you about many times. You don’t want your lifetime partner to be burden paying bills and having to wonder how life will be without your support.
Getting life insurance will guarantee that you took a responsible loving approach to protect the highest risk in life. Because they mean the world to you take action today!
WHOLE LIFE
For immediate permanent insurance you can depend on forever and whenever. Level basic whole life Insurance. Most policies will require medical examination for a higher death benefit amount but for lower benefit amounts there might not be medical examination required. If your health is compromised, there is an option, graded whole life Insurance with a two-year waiting period before the death benefit will be available to your beneficiaries. In case tragedy occurs within the first two years, all payments will be returned (plus interest depending on the company) so no money is lost. Then after two years the full benefit will be available.
UNIVERSAL LIFE
If you are looking for a larger death benefit plus multiple living benefits like cash value accumulation to build a long term retirement option or a paid up option or a critical illness rider or a disability rider, Universal Life Insurance can be customized to meet your needs. Universal Life has different payment options which makes this plan very convenient.
A customized quote will show the expected life of the contract, projected premium and estimated cash value accumulation to offer you the flexibility and affordability that you are looking for.
If we were to summarize three key advantages of Universal Life Insurance, there will be as follows:
1. Cash Value Withdrawal option
2. Additional benefits called Riders (sometimes with a cost)
3. Funding Options
FINAL EXPENSES
Do what’s necessary to protect what matters the most, whether you are looking to have a final expense life insurance policy to spare your family from the unforeseen financial burden that tragedy can bring or if you want to create a legacy with a larger death benefit along with cash value accumulation, living benefits and fix premiums. If Permanent and immediate Life insurance is on your mind, or temporary coverage at a lower cost is what you need, let us help you find the right Life Insurance Coverage to meet your needs. Here, at J&L Heritage Insurance and Financial group, you’ll find the information that you have been looking for. Below we will describe the different types of Life Insurance you may be eligible to select from.
TERM LIFE
When raising a family or buying a home, a temporary low cost type of insurance might be what you are looking for. Term Life Insurance is typically available for 5 years, 10 years, 20 years or 30 years of insurance (Limited by age groups and companies). The option of continuing the coverage is available when the term is over but the cost for keeping the same death benefit amount will increase based on your age.
Representing
