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Which type is best for you? Each person, and their individual needs are unique.
It is important that we discuss these situations with you to determine what is an adequate amount of coverage,
as well as which coverage best suits your needs. Have you ever wondered what some of our industry jargon means?
Under group universal life insurance and other whole life insurance policies,
cash value is the amount the insurer would return to the policyholder if the policy were cancelled.
Some policies allow loans against cash values.
Insurance for a specific period of time that provides only a death benefit
(does not have an investment feature to accumulate cash values the way whole life insurance does).
Premiums are generally much lower than for cash value life insurance, and also generally increase each year.
A flexible form of life insurance in which the policyholder may change
the amount of death benefit (with evidence of insurability for increases),
the amount of premium payments, and when premiums are paid.
Life insurance that provides death benefit coverage but also includes
an investment feature and accumulates cash values. Unlike term insurance, for which annual premiums
generally increase with age, whole life insurance generally has level premiums for the length of the policy.
A form of life insurance with steady premiums but a death benefit that fluctuates
(above a guaranteed minimum) with the value of investments backing the contract
A form of life insurance with the flexibility of universal
life insurance premiums and the investment features of variable life insurance.
We represent many of quality Insurance Companies, and can assist you in getting the best coverage at the lowest cost.
Please contact us with any questions or to get a quote.
Securities offered through:
Intervest International Equities Corporation, Member FINRA/SIPC
Advisory Services offered through:
Intervest International Equities Inc.
1980 Dominion Way
Suite 202
Colorado Springs, CO 80918
(719)592-9299
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