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Term Insurance
There are times in life when your clients’ finances may get tight, but their insurance needs may still be as real as ever. Term life insurance is a simple solution. It’s typically the most affordable way to get the
coverage a family needs for a set period of time. With term, premium rates can be locked in for 10, 15, 20 or 30 years.
- Premiums stay the same during the term selected.
- Options to convert to a permanent life insurance contract.
Our goal is to provide you with only highly rated carriers, with the competitive products to meet your clients’ needs.
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Permanent Life Insurance
Permanent life insurance consists of insurance and cash value. Potential cash value growth can help cover long-term financial needs while your client is still alive. After they die, the death benefit can help care for their loved ones and support causes they care about.
- Potential to build cash value, a living benefit that can be used to cover financial needs.
- Proceeds typically pass to beneficiaries quickly and income-tax free.**
Our product specialists will help you understand the available products and features to find the right product based on your clients’ needs and goals.
** Under current tax law [IRC Sec. 101(a)(1)], death proceeds are generally excludable from the beneficiary’s gross income. However, death proceeds may be subject to state and federal estate and/or inheritance tax.
![Products Products](/wp-content/uploads/product_SPIA.png)
Single Premium Immediate Annuity
An immediate annuity called a single premium immediate annuity (SPIA) can help ensure your clients will have the income they need in retirement. With a SPIA, clients can choose from a variety of flexible payout options as well as choose options that can help protect their retirement income from inflation. In addition, SPIAs can help eliminate the worries of market volatility.
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Deferred Fixed Annuities
A deferred annuity is an insurance contract for long-term savings, like retirement. Clients choose when they start taking out money – and won’t pay income taxes until then. That works a bit differently than an immediate annuity, which requires you to take annual or monthly payments right away and doesn’t offer the same tax-deferred growth. Deferred annuities are long-term investments that can be used for retirement income.