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Proceeds are generally income tax-free to beneficiaries.
And when properly structured, are not considered part of your estate – and therefore safeguarded against estate taxes. Plus, there’s room for tax-deferred growth, tax-favored loans, and tax-friendly withdrawals
More Affordable Than People Think
Most people over estimate the total cost to be almost twice what it really is. And with term life rates on the decline, a personal policy is more affordable than ever – especially if purchased early and coupled with a healthy lifestyle.
Long Term Value
Imagine a family of four living off a single 60k annual income. If that income were to suddenly disappear at age of 40, it accumulates to a total loss of 1.2 million over only 20 years. That’s well over the amount the average person could save on their own.
Contact your Life Insurance Specialist for detailed information about a plan that meets your client’s needs and budget.