LIFE INSURANCE- In case you can’t be there to catch them make sure they have a safety net!
Life insurance is one of the most important investments you can make in your family’s future. Your family may count on you for such things as mortgage payments and other household expenses, education expenses, costs associated with retirement planning as well as the everyday expenses associated with living a certain lifestyle. Don’t let them down!
Term Life Insurance
Term life insurance is temporary insurance and is for people who want:
- To supplement life insurance from work
- A fixed benefit amount for a specific period of time
- Competitive, affordable premiums
- A death benefit protection with a Return of Premium Option
- An Insurance policy that offers additional coverage options such as critical illness and disability insurance.
- Should you retire. leave or get let go in most cases you leave behind your group work policy…..be prepared get extra coverage to avoid this
To adapt to a family’s changing needs, most in-force term life insurance policies may be converted to permanent life insurance, or whole life without additional evidence of insurability.
Because people’s needs vary even within the term life insurance category, we offer term product choices – so that the term coverage you select best matches your needs.
Of course, as with the selection of any life insurance policy, you must carefully consider your own financial situation and the many alternatives available to you. No single life insurance product design may have all the features you find desirable. Therefore, it is important to understand the features available so that you can make the best decision for you and your family.
Contact Mark S. Gardner today at 214-762-2327 or email him at MarkGardner@RetireWellDallas.com so he can begin to show you all of your options.today and set you up with the best plan for your needs and budget. Protecting your family through Life Insurance coverage is the biggest gift a person can be given. Protecting their future is the best way you can say I LOVE YOU.
Universal Life Insurance
Universal Life insurance is flexible-premium, adjustable-benefit, permanent life insurance that can accumulate values beyond the guaranteed cash value. In addition to its cash values which can be used for children’s educations, to supplement retirement income and for incidental expenses, universal life insurance is flexible enough to change as your needs change.
Universal life insurance is considered to be the most flexible type of life insurance. UL policies, as they are often called, provide both premium flexibility and death benefit flexibility allowing to you adjust your policy according to your life insurance needs. Universal life insurance also offers the ability to accumulate cash value under the policy on a tax-deferred basis. Many of our UL policies are offered with limited underwriting, meaning often times there are no physical exams required to qualify.
Universal life offers the following advantages:
- Lower-cost life insurance (compared to whole life insurance)
- No-Lapse Protection
- A tax-advantaged savings element that provides a cash value with a guaranteed minimum interest rate
- Flexibility to adjust your premium payment and death benefit as your needs change
- Favorable loan features
Contact Mark S. Gardner, today by completing the contact form below. His team of specialized agents will contact you shortly to cover the options that are best for your needs and budget. Why not also earn a return on the money you are investing? Call Mr. Mark Gardner today at 214-762-2327 or email him at MarkGardner@RetireWellDallas.com .
Your family is certainly worth protecting !!!!
Contact Mark S. Gardner