As I am sitting here looking back on the last year or so, it becomes ever so real that time truly does continue to march on. My two beautiful children have grown up, and made lives for themselves now. It is hard to believe that my son, who is serving in the Air Force is 22 years old, and that my daughter, who is 25 has a family of her own. Watching her with her baby daughter Kaehlyn(My Grand Daughter) of 10 months old, reminds me of the importance of looking to the future, and protecting the ones you love. Which by the way, brings me to a subject that can be a very personal subject indeed. Life Insurance..... Don't wait until (God forbid) a tragedy hits, before you start thinking about Life Insurance. It is then that people begin to question themselves, and the could have, would have, should haves begin to surface. Take a look at it now. You would be greatly surprised at just how affordable it can be. There are many different options available to you when it comes to this all important protection. Here is a brief overview, and a few examples of different types of policies that are available to you. This may aid in your search for just the right protection plan for you and your loved ones. Please do let us know if we can be of assistance to you as well. We are here for you 24/7.
1) Term Life Insurance:
A fixed rate policy with no cash value, which provides protection for a specific period of time (eg 20 years). If your alive when the term ends, there is no payout. This is usually the least expensive type of life insurance.
2)Universal Life Insurance:
A flexible policy, in which the cost of the premium, the savings value, and the coverage can change as your needs change.
3) Whole Life Insurance:
Combines life insurance with a savings plan, so it builds up cash value within the the policy. Premiums are fixed, and the policy remains in force as long as you continue paying your premiums.
