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Affordable Life Insurance Company in Central Florida


Life Insurance Choices

As medical advances, nutritional awareness, smoking cessation programs and prescription drug discoveries have taken hold, we are living much longer. This has decreased the rates on life insurance dramatically over the last 10 years. Changes in the taxes and estate tax law have inspired insurance companies to come up with new and inventive ways to write life insurance.

For Example:

  1. It is now commonplace for all types of policies to carry some type of critical illness plan. If you should become terminal (12 month or less to live) you can now get up to half the face value of your policy in cash. You may need it for medical expenses of just to take a world cruise. But you do not have to die to collect anymore.
     
  2. Many life insurance plans can be used for long term care. If you should need Assisted Living or Nursing Home care you can use your death benefit for that purpose. Again, you do not need to die to collect.
     
  3. Mortgage Protection Plans not only provide a death benefit but can pay your mortgage during a time of disability.
     
  4. Buy/Sell Agreements between business partners supported in part by life insurance can insure continued business stability in the event of an untimely death by one of the principles.
     
  5. Legacy plans are important to many people. They may want to leave money to their Children, Grandchildren, Churches, Charities or Universities. A single premium plan can work wonders. For example, a 55 year old male in good health could leave $150,000 tax free gift to the institution of his choice for an approximate $50,000 premium. A 75 year old in reasonable health could leave $350,000 tax free gift for an approximate $250,000 premium.
     
  6. For large estates with potentially heavy tax burdens, Life insurance can leave tax free gifts to your heirs much larger than the taxed amounts may be. It can also pay the tax man on the balance of your estate.
     
  7. And if you just want to make sure your kids go to college, term rates have never been lower.

What did you have in mind? Letís find a solution together. For more information on this and other subjects call Bruce at 407-765-9444 or fill out the form on our Contact Page. You may also refer to out Learning Center on this subject in the menu on the left.
 

 
 

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