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Life Insurance / Annuities / Disability Insurance

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Term Life Insurance

Term life insurance is a cost effective way to protect your family from a loss of a loved one.  Purchasing term life insurance is a great way to pay off any major debt you currently have or may take on in the future and help protect against any additional financial burden your spouse would have in the event of a loss. With Term Life Insurance protection, you can decide for how long you will need insurance coverage in place.   When considering a term life insurance policy it is important to consider your financial obligations such as your short-term or long-term debt.  You typically can choose from 5, 10, 15, 20 and 30-year term life insurance policies to fit your specific situation. Term Life Insurance offers guaranteed premiums and you have the ability to renew your policy at the end of your term. You may even have the option to convert to any permanent insurance policy such as a universal life insurance policy. You can enhance your coverage by adding one or more of the following riders to your Term Life Insurance plan:
  • Terminal Illness Rider.
  • Waiver of Premium.
  • Accidental Death Benefit.
  • Spouse’s Term Insurance.
  • Children’s Term Insurance.
This coverage is offered through various insurance companies represented by Integrity Now Insurance Brokers, Inc. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.

Universal Life Insurance

Life can be unpredictable. While a term life insurance policy is the most cost effective today, you may also want to protect your family for your entire life.  Universal Life insurance provides security not for a set time limit but for your entire life, should the unexpected occur, and it’s flexible enough to accommodate anticipated changes throughout your life.  You are able to establish a set period of time that you would like to pay the premiums while you can afford it and then at retirement end your premium payments but still have your insurance coverage continue on until you pass away. Universal Life insurance can help you achieve goals at different times in your life.
  • Create an immediate estate.
  • Accumulate fund values at current interest rates.
  • Defer taxes on interest earnings.
  • Adjust benefits and premiums to meet changing needs.
  • Receive estate death benefit tax-free.
  • Avoid probate and estate taxes by assigning a beneficiary for your death benefit.
  • Guaranteed minimum interest rates—check with us for details.
Take a look at how this flexible plan can be easily tailored to meet your needs in every stage of your life. This coverage is offered through various insurance companies represented by Integrity Now Insurance Brokers, Inc. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.

Advantages of universal life insurance

As you probably know, there are two primary kinds of life insurance: term life and permanent life insurance. Universal life insurance is a type of permanent insurance. Like the name implies, permanent life insurance stays in force throughout your lifetime, as long as your insurance premiums are paid. A permanent life policy pays a death benefit when you pass away. It also has the ability to build a cash value, because a portion of the premiums you pay are deposited in a tax-deferred cash value account. If needed, you can access the cash value of your policy in the form of a personal loan.

Universal life insurance is a unique type of permanent coverage that offers the following advantages:

  • Guaranteed protection that lasts your lifetime.
  • Accumulates fund values at current interest rates.
  • May offer a guaranteed minimum interest rate.
  • Interest on earnings grow tax-deferred.
  • Fund value can be withdrawn or borrowed against.
  • The benefits and premiums can be adjusted to meet changing needs.
  • Estate death benefit is paid tax-free.
  • The assigned beneficiary can avoid probate and estate taxes.
  • Choose between a level death benefit with a specified coverage amount or an increasing death benefit, which pays the coverage amount plus the fund’s value.
  • Select numerous options, including disability continuance of insurance rider; disability payment of premium rider; guaranteed insurability option; inflation protection; living benefits rider if you’re confined to a nursing home; accidental death benefit; and term insurance riders for a spouse or dependent children.

Who should buy universal life insurance?

Because universal life insurance combines a death benefit with a cash value savings component, it may cost somewhat more than term insurance. But for those with adequate resources, universal life is an excellent, top-of-the-line product that is appealing if you have the following needs or goals:
  • A desire to build a nest egg for future financial needs, such as retirement funding or paying for a child’s college education.
  • The security of guaranteed, lifetime protection for dependents.
  • The flexibility to change benefits and premiums as your lifestyle changes.
  • Tax advantages of the policy’s cash value that accumulates tax-deferred.
  • Ability to leave a tax-free death benefit to beneficiaries.

How to determine how much protection you need

As a general rule of thumb, many experts recommend purchasing life insurance that is worth four to five times your annual income. Naturally, your age, financial situation, number of dependents and other factors should be taken into account when determining coverage amounts. And, a comprehensive insurance plan usually combines both universal life coverage with term insurance. To decide exactly how much insurance you need to protect your family, it is always wise to seek professional advice. Our agency can provide valuable guidance in this area. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states. Annuities Saving for retirement is crucial, and making sure those resources last throughout your lifetime is just as important. Annuities are long-term savings plans that both help you save, then offer you a steady stream of income you can draw from upon retirement. Your retirement savings grows on a tax-deferred basis, and you can choose a payout option that best meets your income needs when you retire—a lump sum, income for life, or income for a certain period of time. We offer several types of annuity options through various Insurance Companies represented by Integrity Now Insurance Brokers, Inc. Fixed Annuities have a predetermined rate of return that can vary from year to year or remain constant through the life of the contract. Call us today to learn whether a Fixed Annuity, Fixed Indexed Annuity, Tax-Sheltered Annuity, best meets your insurance needs. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.

What is an annuity? Many people have heard about annuities but may not know what they are. In simple terms, an annuity is an investment vehicle that offers tax-deferred benefits. After you deposit money in an annuity, you pay no taxes on the earnings until payments are received. Annuities are often used by individuals to save for retirement.  The goal is to pay the taxes on this money at a lower tax rate then you are currently at. Technically, an annuity establishes a contract between a policyholder and an insurance company. The contract states that in exchange for a premium (payment), the company promises to credit interest to the premium. Then, starting on some future date, the company will pay a specified income to the policyholder. The income is expected to be paid out over a period of time and may be based on the life of the individual. While there are many types of annuities available with various names and options, the two basic types of annuities are fixed annuities and variable annuities. Fixed annuity benefits A fixed annuity pays a fixed or set rate of return, which is guaranteed not to fall below a certain level. In other words, the interest rate on a fixed annuity is locked in for a period of time. The primary benefits of investing in a fixed annuity include the following:
  • Earn a guaranteed minimum interest rate.
  • Secure and stable.
  • Interest compounds (that is, interest is paid on the interest).
  • Earnings are tax-deferred until payments are received by the policyholder.
  • Can be used to fund various tax-qualified retirement plans, such as an Individual Retirement Account (IRA), a 403(b), Simplified Employee Pension (SEP), and non-qualified plans.
  • Offer a variety of payment and/or withdrawal options.
What type of annuity is best for you? Your age, financial goals, number of years until retirement, and risk tolerance are all factors to consider before selecting an annuity. A variable annuity may be a good long-term investment for a younger individual who is saving for retirement and can tolerate some risk in exchange for the potential rewards offered by the stock and bond market. Fixed annuities are considered to be conservative investments for people who value security with very little risk. For instance, if you are approaching retirement and want to protect your money from the volatility of stock and bond-based investments, a fixed annuity may be a good choice. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states. Disability Income Disability Income insurance is designed to protect your income and standard of living. If you become disabled and unable to work, your expenses won’t just go away. In fact, your monthly expenses could even increase — especially if you need additional help at home, can no longer drive, or have to pay for expenses that aren’t completely reimbursed by your medical coverage. Disability Income insurance will provide monthly payments to help you meet your ongoing daily living needs. Disability Insurance Protection is designed to guard individuals, families, and companies from financial loss due to an accident or illness. This coverage is offered through various insurance companies represented by Integrity Now Insurance Brokers, Inc. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.