Having the right life insurance is pivotal in planning for the future of you and your loved ones. 生活 insurance can help you fulfill promises you’ve made your family when you are gone.
Don’t leave the future of you and your loved ones to chance. TIA can help you find the right 德州 life insurance coverage for you, and help ensure that your policy continually meets your needs.
For each of our neighbors in 德州, the right life insurance will be unique and dependent on personal and financial needs. 随着生活的改变, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:
TIA can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:
Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.
此外, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
What type of life insurance is best for you? 和TIA的团队谈谈. We can assist in identifying the best protection for you.
Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.
人寿保险死亡抚恤金 -当你去世时, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, 债务, 学费, 遗产税, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
生活的好处 - The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, 除非是提款. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college 学费 or the down payment on a home.
The right life insurance coverage for each and every one of our customers in 德州 is unique. Talk with the TIA team today to find out how to protect your family and your future with the right life insurance.