Protect your loved ones from additional change and disruption in their lives with the right life policy.
Types of Life Insurance
Term Life is the least expensive way to purchase a substantial death benefit. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Our most popular plan is "Viva Life" which is a 20 year, simplified issue, term life plan for ages 18-55 (15 years for ages 56-60) for amounts up to and including $250,000. There are three product options:
Viva Life Professional
For a young adult who needs basic life insurance coverage
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Viva Life Family
For middle income families who need life insurance coverage on dad, mom and children
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Viva Living Benefits
For the middle age client who needs life insurance coverage and is also concerned about a critical illness in the future (heart attack, stroke, etc).
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The applications are quick and easy to complete with only 4 health related questions. No medical exam is required. We accept clients that do not have a Social Security Number, but they must have an ITIN ( Individual Taxpayer Identification Number).
Viva LifeTime
Simplified issue whole life for face amounts up to $100,000. Level premiums and guaranteed cash values. Premiums can be paid for your entire lifetime, for 20 years or until your age 65. If you select 20 Pay or Paid Up at Age 65, the policy will be paid up with no further premiums due at the end of 20 years or at age 65. Available as a juvenile plan for issue ages 0-17 and for adults for issue ages 18-65. Viva LifeTime is perfect for cash accumulation, wealth transfer or final expenses. The application is quick and easy to complete with only 4 health related questions. No medical exam is required.
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Family Protection PremierFully underwritten whole life for face amounts up to $3 million. Level premiums and guaranteed cash values. Premiums can be paid for your entire lifetime, for 20 years or until your age 65. If you select 20 Pay or Paid Up at Age 65, the policy will be paid up with no further premiums due at the end of the 20 years or at your age 65. Available as a juvenile plan for issue ages 0-17 and for adults issue ages 18-75. For adults, the plan offers a 20 year term rider on the primary insured and spouse to provide additional insurance protection at a reasonable cost. This plan also offers a child rider. Preferred and standard rates are available. Family Protection Premier is available for individual permanent coverage, as a family plan and as a juvenile plan It is perfect for cash accumulation, wealth transfer or final expenses.
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Premiums typically fall between Term and Whole Life. Flexible premiums may allow you to adjust how much you'll pay each year, by accessing some of the policy's cash value. Universal life has the potential to accumulate cash value over time that you may be able to borrow against tax-free, for any reason. However, many policies are designed to use this cash value to reduce the premiums, making the policy more affordable.
Universal life can provide you with a variety of different payment options, including a flexibility of changing your death benefits, as well as the potential to accumulate cash value over time. Here's how:
Universal life can provide you with a variety of different payment options, including a flexibility of changing your death benefits, as well as the potential to accumulate cash value over time. Here's how:
- Since there is a cash value component, you may be able to skip premium payments as long as the cash value is enough to cover your required expenses for that month
- Some policies may allow you to increase or decrease the death benefit to match your particular circumstances*
- In many cases you may borrow against the cash value that may have accumulated in the policy
- The interest that you may have earned over time accumulates tax-deferred
If you unexpectedly became disabled, would you be able to continue to pay for normal living expenses like car payments, mortgage or rent, and utility bills, as well as additional expenses? When there is a loss of income, disability insurance provides a steady flow of benefits that can help pay your bills. Policies available from a variety of insurers. Aflac video below provides a good overview.
Types of Disability Insurance
⌂ Disclosure
I am licensed in Florida, New Jersey, Pennsylvania and Texas. If you live or if your company is based in any of these states, I can help you.
I am licensed in Florida, New Jersey, Pennsylvania and Texas. If you live or if your company is based in any of these states, I can help you.