Stuart Hindemit ALLrate Advisor
800-818-2946

Life Insurance 101

You can protect your family from an uncertain future. You can use the flexibility of life insurance to enhance the funds available for your retirement and have access to them if needed. You can do it all with one insurance policy that’s right for you. To learn how call 800-818-2946.

Why life insurance?

Life insurance is about life, your life. It’s about how you want to live your life right now and 20 years from now. It’s also about how your loved ones will live their lives when you’re gone. Innovative life insurance products offer tremendous flexibility and value. In these uncertain times life insurance is a must to have in anyone’s financial toolbox. You and your family deserve to have life insurance coverage you can count on – in good times and bad.

What’s right for you?

There are a few different types of life insurance. For each type, there are different policies, so you can get exactly what you need, no more and no less.

Term Life Insurance

Perfect if you need life insurance coverage for a specific period of time or have a limited budget.

Term life protects your family with a death benefit but does not accumulate a cash value. Many employers offer it, but the benefit may not be enough to replace your income for very long. Call me at 800-818-2946 to find out if any insurance you currently have would meet the needs of your family.

Universal Life

Ideal if you’re planning for the future and need a versatile insurance policy designed to cover your entire life.

Universal life is a type of permanent policy that can achieve multiple goals. It builds in value over time and provides flexibility in premiums and income options. It also has a death benefit that can be left to your heirs.

Indexed Universal Life

Gives you the potential for growth at a higher rate of interest without the risk of being directly in the market.

Unlike a traditional universal life insurance policy where the insurance company sets the interest rate, an indexed universal life policy credits interest to your cash value based partly on the upward movement of a major-market stock index.

Life Insurance built around you

For life insurance that’s built around you and your life, we need to know a few things about you and what’s important to you. You can get started today by calling Stuart at 800-818-2946 or click here for a life insurance quote.

Sincerely,

Stuart Hindemit - ALLrate Advisor since 1990

800-818-2946