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Get Life Insurance You Can Count On

Plan ahead to help protect your family. Life insurance helps provide some financial security to help your family cover medical bills, funeral costs, mortgage or rent, college tuition, and many other living expenses.

"A man who dies without adequate life insurance should have to come back and see the mess he created" ~Will Rogers

We work with only the best carriers and financially sound companies that provide a wide range of life insurance solutions, so you can choose a policy that works for you and your family. Find out if term life, universal life, or whole life insurance suits your needs and your budget.

We're here to help you

Along with your life insurance policy, you'll get many other services and benefits to help you make decisions for your family's future.

* Get answers to your questions and useful information from our dedicated insurance agents.

* Choose from a range of coverage options available to you.

* Access tools and resources that offer a wealth of information, calculators and more

Plan your financial future

Take a look at what you can be doing to enhance your financial future based on your lifestyle, whether you're on your own or starting a family. Call us today for an assessment to find ways to keep your finances secure-at any stage of life.

We're here to help you with life insurance needs

Taking care of beneficiaries is on e of the most important things we do. We know it can be a difficult and emotional time, so we go above and beyond to make the claims process as smooth and simple as possible.

Life insurance offers the stable protection that you and your family--and even your business-need in a constantly changing world.

While many people may think life insurance is too expensive and too complicated, it doesn't have to be. It is a powerful and flexible tool for protecting you and those you love. When you consider and understand how an insurance policy can help, you realize that insurance can be well worth the cost. So take the time to learn what it can do for you and your family.

An insurance policy's death benefit can be the difference between staying in the family home, providing for higher education, keeping a treasured family business or not. If you have someone or something that you want to protect, life insurance can help you accomplish that goal, regardless of your current stage in life.

Different types of life insurance range from simple and basic to having more features to address different needs. If you already have a policy, your needs may have changed over the years, and you may want to consider whether your original policy still covers those needs.

Call us today to review your life insurance needs - (602) 953-7822 Life Insurance Calculator

Typical Benefits and Uses of Life Insurance

  • Protect your family's future by providing income to pay expenses, such as a mortgage, care for a child or parent, higher education and emergency demands that are bound to arise as the household finds its financial footing.
  • Protect your family from financial risks as your life circumstances and financial commitments change.
  • Leave a legacy, either by offsetting the impact of estate taxes or by creating additional wealth for your family or a charity you want to support.
  • Protect a small business in various ways, such as covering the loss of a key employee, implementing your successful plan, or unlocking the value of your business for your own retirement.
  • Life insurance can help address other debts your family has that could compromise their financial security, such as credit card debt, a mortgage, or auto loans.
    • Funeral or memorial services
    • Cemetery plot
    • Estate taxes, legal fees, and probate costs
    • Bills for medical care

Other Ways Life Insurance Can Help

Life insurance policies may offer a number of options and features that expand the ways they can be used, making them a more flexible and more powerful financial resource.

  • Some policies have optional benefits or riders that can help pay for your or your survivor's chronic or terminal illness care expenses.
  • Some policies provide features that help prevent the policy from ending prematurely if you become unemployed.
  • Policies that build "cash value" over time can allow you to take supplemental income from that value, that income can be used for unexpected expenses or other needs.
  • Optional features on other policies allow you to cover additional people, such as your spouse or children all in one policy.

Types of Life Insurance

You have a choice when it comes to coverage

When deciding which type and amount of life insurance is right for you, you'll need to answer these important questions:

  • What do you want the insurance to cover?
  • What amount of coverage do you need?
  • For how long will you need the coverage?
  • What's your budget?

Understanding the Different Types of Life Policies

Answering the questions above will help you to understand which type of life insurance will work for your situation. The two main types are:

  • Term Insurance - Provides coverage for a specified amount of time
  • Permanent - Provides coverage for the rest of your life

You can get quality life insurance on almost any budget. Here at Lifetime Investments & Insurance, we can help you figure out which policy works for you and your family. We offer many types of life insurance policies.

Term Life Insurance

  • Very low cost, ideal for young families
  • Premiums that are guaranteed to stay the same for a defined term
  • Option to convert the policy - You can convert your term policy to a permanent policy without having to take a new medical exam.
  • Choice of ways to customize your policy with add-ons known as riders.

Whole Life Insurance

This is the traditional lifei nsurance that most people think of when they hear "permanent insurance." If you pay your premiums on time, your coverage remains in force and your policy builds cash value While it has some advantages, it's also generally more expensive and less flexible than other types of permanent coverage.

Variable Universal Life (VUL)

This policy allows you the greatest potential to build cash value compared to other permanent policies by investing part of the premiums in underlying investment options, also known as subaccounts. These investment options may be invested in stocks, bonds, funds or other securities. It also provides you the flexibility of a universal life policy.

Since the cash value of your policy may be tied to the financial markets through the underlying investment options, this type of policy has the potential for returns higher than a universal life policy could provide, although the cash value can also lose value if the investment options perform poorly.

This policy is designed for people who like to have an investment element, can fund the policy properly, and have the time (typically, years) to allow their net premiums to potentially build cash value.

Universal Life (UL)

This type of policy can be a good match if you would like to earn interest within the policy while also providing flexibility in premium payments and coverage amounts. Most UL policies earn a minimum interest rate, giving you some security about the earnings. You can choose your premium payment schedule and, depending on the policy, you may have the potential to earn more cash value depending on how much interest you earn.

Indexed Universal Life (IUL)

Unlike other universal life policies, the interest rates of indexed universal life policies are based on the performance of an independent financial index. The IUL accounts may offer greater growth potential for the policy's cash value than can be gained in other universal life policies, although there is some risk of getting a lower rate of return during a given time period.

The most popular indices used for IUL are stock indices. While the interest earned is linked to the index performance, the money in an IUL policy is not directly invested in any index. IUL accounts are commonly designed so that, even if the index goes down in a given period, the account doesn't lose value.

Survivorship (Second-To-Die)

This single policy is designed to cover two people. It does not pay the death benefit until both people have passed, and can be less expensive than two separate policies. It is typically used in estate planning and to provide a legacy to a couple's children after both parents have passed away.

This type of poicy is often recommended if one person would otherwise not be able to qualify for life insurance. It is often used in estate conservation strategies, especially in conjunction with an Irrevocable Life Insurance Trust (ILIT) as a way to help pay estate taxes; this can help preserve a couple's estate so that it can be passed on to the next generation or to a charitable organization.

How To Negotiate Life's Changing Needs

For most people, different times in their lives require different coverage than others. Whenever you are exploring how life insurance can help, several strategies can help you address your evolving needs and fit within your current budget. You can:

  • Buy a policy now that more than covers your current needs and may help protect your future
  • Buy an initial policy now and then a supplemental policy later
  • Start with Term and convert to Permanent later
  • Purchase both Term and Permanent policies to get the benefits from the different features they offer
  • Add optional features, also known as riders, to broaden the coverage that particular policy provides

When determining what to buy and when, it is worth remembering that the younger you are when you buy, the more cost effective it will be.

How Life Insurance Needs Can Change Over Time

You need an approach that helps you avoid buying insurance that does not last long enough and buying permanent insurance for temporary needs.

The Value of Advice

Of course, some of the questions you may be asking yourself about your life insurance needs may lead to others. We can help you sort through these questions, and share what has worked for others in similar circumstances as well.

Call us today or fill out a quick quote form and we'll contact you with a proposal.

40 Year Old Male | Non-Smoker | Death Benefit = $100,000

Term vs Permanent Life Insurance

Sample - For illustrative purposes only

Term Return of Premium Permanent
Cost Per Year $300 $800 $1,300
Total Cost Over 20 Years $6000 $16,000 $26,000
Cash Value $0 $16,000 $27,000
Health Condition in 20 Years Not Sure Not Sure Don't Care
Cost Per Year @ 60 Years Old $1,700 $3,300 $1,300
Total Cost Between Ages 60 & 80 $34,000 $66,000 $52,000
Cash Value $0 $66,000 $82,000
Insurable At Age 80? Not Insurable Not Insurable Still Insured + $82K In Cash Value

Ask yourself the following questions:

-If price was not an issue, which policy would you PREFER? Why?

-If price was not an issue, which policy would you NOT WANT? Why?

Life Insurance Calculator

How much life insurance do you currently have?



How much money do you have in savings and investment accounts?



How much money do you have in retirement accounts?



How much annual income would your family need in your absence?

(Enter 60-80% of your family's total income multiplied by number of years needed)



How much annual income is available to your family?

(From sources other than your income? Multiply by number of years needed)



How much debt do you have?



How much do you think you'll pay for your children's college educations?



How much would your family need to pay for funeral costs?



Amount of Insurance Needed



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