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Who Needs Life INSURANCE?
You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death.The money your dependents will receive,"the death benefit," can help pay essential day-today expenses, such as medical bills, and help your family reach longer-term goals such as your children's college education. Plus, life insurance can help ensure that your love ones are not burdened with debt, or forced to sell assets to pay outstanding bills or taxes.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.
We represent a variety of leading companies offering:
- Traditional Whole Life
- Universal Life (offering top interest on your money accumulation and more.)
- Mortgage Protection Insurance (with or with out return of premium)
- Guaranteed Issue Life Insurance
- Final Expense Life Insurance (to meet those expenses you did not count on)
- Anunities
Many of these policies has the option for Critical Illness to be added as well as accelerated benefits should you be terminally ill and need money to cover bills.
In many cases we can now enroll you over the phone, online or by fax for up to $300,000. No need for a medical exam or paramed exam.
>Rapid Decision Term : Fast hassle-free level death benefit term life insurance product to age 95
>Rapid Decision Mortgage Term: The fastest, easiest way to get high quality low cost term coverage you need to protect your biggest investment.
>Graded Premium Whole Life and Term: Designed to provide up to $250,000 of life insurance for customers who have experienced health problems. Both products utilize our rapid underwriting process for quick decisions on your application.
>Simplified Final Expense Life Insurance: Designed to cover those added expenses you did not count on, or those who normally would be turned down.
Covers ages up to age 85 with level or graded premium whole life in amounts up to $50,000.
Please call us at (800) 270-7014 Ext. 705 for a quote or email at:
service@titaniuminsurance
Greg@titaniuminsurance.com