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Which life insurance product do you need to proctect your loved ones? It’s a good idea to consider insuring both parents, even if only one is a primary wage earner. This can help ensure that the surviving parent can pay for any increases in the cost of child care if the parent primarily responsible for child care dies.   Term Life Insurance Whole Life Insurance Universal Life Insurance Let us help you explore your options today! Life insurance helps to protect loved ones who are supported by you in the event of a death. It helps protect the people who depend on you for financial support by replacing your lost income when you die to help pay expenses that you normally would have covered such as mortgage payments, bills, childcare or college tuition. Term Life Insurance In just minutes you and your family can enjoy peace of mind for the next 10, 15, 20 or 30 years.  Simply request a personal quote to discuss your needs and budget and apply for coverage today. protect your family apply while your health is good protect your assets    Whole & Universal Life Insurance Long term need Tax-favored treatment Funds for education or retirement Need more coverage?   texas health insurance Individual & family health insurance    texas medicare supplement insurance Senior health texas group insurance Texas Small Group 2-50 employees texas dental insurance Dental plans for  beautiful smiles texas life insurance Protecting our loved ones travel health insurance International travel health insurance texas student insurance Student health insurance plans texas short term insurance Texas Short Term health plans texas insurance product list
Term Life Insurance	Whole Life Insurance	Universal Life Insurance
Term life insurance is usually the least expensive and the simplest form of insurance to understand. There are two basic types of term life insurance policies—level term and decreasing term.  Level term - death benefit stays the same throughout the duration of the policy and decreasing term - death benefit drops, usually in one-year increments, over the course of the policy’s term. Term life insurance is purchased for set for a period of time, as little as one year or thirty years and may include an option to renew. Most term policies have no other benefit provisions. If you pass away within the term period of the policy is in force, your beneficiary receives the face value of the life insurance policy only. It does not build up cash value so you miss the tax deferred growth that you receive when you own a permanent life insurance policy. Premiums are paid throughout the policy’s term and increases at the end of each renewal period if it is renewable term. Who purchases this type of insurance? Temporary need of short term to mid term obligations such as cost of education during college years Limited budget with need for large amount of insurance such as 30 year mortgage Business needs to cover the life of a key employee Support someone such as an elderly parent Single parents	There are three major types of whole life or permanent life insurance—traditional whole life, universal life, and variable universal life, and there are variations within each type. Whole life, is purchased to last until the insured passes away.  As long as you pay the premiums you can keep this insurance and it pays a death benefit whenever you die—even if you live to 100!  Premiums are higher than Term insurance and can build a cash value—money that you can borrow against and in some instances, withdraw to help meet future goals and enjoy favorable tax treatment. Cash value generally grows on an income-tax deferred basis; that means that you pay no taxes on any earnings in the policy so long as the policy remains in force. Who purchases this type of insurance? Long term need for undetermined amount of time Interest in the tax-favored treatment of cash value Cash value provides funds for future goals such as education or retirement	Universal life (UL) is more flexible than whole life because the death benefit and usually the premium payment are flexible. The  policy owner may change the death benefit from time to time with evidence of insurability for increases and decrease without surrendering the policy.  Premium payments can be flexible from a minimum amount to cover guarantees to the maximum amount IRS rules allow. The insured can alter the death benefit by  how the universal life policy is funded. By varying the amount or timing of premium payments it increases the risk if the cash value or premium payments are not enough to cover the cost of insurance (COI) the UL will lapse. There are several types to consider: Single Premium paid by a single payment; Fixed Premium allows periodic payments within a shorter period of time than the policy is in force; and Flexible Premium that can change with each payment. Who purchases this type of insurance? Side investment fund earns at a current interest rate Best features of term and permanent insurance Partial surrender provision Guaranteed minimum rate Loan provisions Cash values
Are you looking for affordable coverage? We can help you review your options so you can make a decisions with confidence and find plans that meet your needs and a premium you can afford.  We'll assist you to make the best affordable life insurance choice from many Texas Life insurance plans that we offer.  We take the guess work out to offer you a solid quality insurance plan you can count on. You can get a free, no-obligation quote for personal health insurance in about 5 minutes. TERMS: Decreasing term life insurance- Term insurance, the face value of which decreases each year over a slated period. Family income and usually mortgage cancellation are decreasing term insurance. Joint whole life insurance policy - One insurance policy that covers two lives and that generally provides for payment of the proceeds at the time of the first insured's death. Level term life insurance- The type of life insurance that provides protection for a specified period of time only. Whole life insurance company- The type of life insurance that provides protection for a specified period of time only. Contact information for Life Insurance quote: First name: Last name: Email address: Phone: Mailing address: Request information on: Product/service: Best way to contact you: Email address Mailing address Phone
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