life-insurance-facts

BASIC LIFE INSURANCE FACTS

Life insurance only pays a death benefit upon proof of death by a certificate issued in the state of residency.

Factors that determine the actual rates.health history. smoker/nonsmoker,height and weight, prexisting conditions and prescription drugs you may be taking.

Life insurance can create future income for a spouse and children, pay off mortages, pay federal estate taxes or state estate taxes.

TYPES OF LIFE INSURANCE PLANS FOR PURCHASE.

Term insurance. Lowest in cost for specified periods of time (10 years, 20 years 30 years) premiums are guaranteed during these time periods. After the period rates rise drastically. Rates are determined on your your age entering the plan. Recently introduced term plans with return of premium are now offered at slightly higher cost.

Universal life inurance Flexible plan designs allows plans to guarantee rates thru age. Stop and go payments if needed..Plans designs with savings features based on insurance company preformance or stock indexed, SP 500 indexed..Purchasing plans at above mortality rates provide safe places for cash to grow tax free.(Private pensions)

Whole life insurance. Rates are guaranteed thru out the life of the contract. Because you are paying more than the mortality costs the rate will never change. Intrest and cash value are based on company preformance.If you should die you recieve only the death benefit amount applied for not the cash value and death benefit.

Single premium life insurance. A one lump sum payment. Recieve a large benefit which can transfer tax free to beneficaries of your estate. A real gain in net worth.

Life insurance linked with long term care benefits.A new combination of plans for those who chose not to buy long term health plans. These plans use the face amount to pay expenses for all levels of care you may need after a elminatiion period. Call for plan comparisions and secure your financial security..813-818-4485 or email healthgauardinsurance.com

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