Life Insurance Helping You Find the Right Policy to Meet Your Goals
Life Insurance is an important part of a good financial plan. It can make sure your goals and dreams live on for those you care about, even if you're no longer here. It can make sure financial obligations are met, children can go to college, supplement your retirement and support charities. And Life Insurance with Living Benefits can even help while you're still alive. See all of the things that can be accomplished with Life Insurance below.
Whole Life Insurance Final Expense Coverage
Many times people will want to make sure their Final Expenses, like funeral and burial costs are not a burden to their family. They may purchase a Whole Life Insurance policy specifically to cover these expenses and perhaps leave something for their family.
We can help clients find the coverage they want regardless of if they are healthy or not. We work with many top companies so we'll be able to find a rate that fits your budget. Contact us for a prompt, no obligation quote.
Term Life Insurance Help protect your family's future
Term Insurance provides a a level of coverage for a set number of years and the premium will not increase during this time. It is normally an affordable way to buy enough coverage to make sure college and mortgage expenses are met if something happens to the wage earners in the family.
With access to dozens of top companies, our skilled advisors can find you the best coverage at the right price.
Permanent Life Insurance Life Protection For as Long as You Live. Help Fund Education, Retirement and More.
Permanent Life Insurance is guaranteed to be there until you need it. The premiums are designed so they can be affordable through the life of the policy or paid in a single sum or even paid in full after a number of years.
Permanent policies can be a flexible part of a financial plan and accomplish many things in addition to providing for family or leaving a legacy .
Fund Education Goals
A special feature of these policies allow you to place extra funds into a savings portion of the policy. This money will grow tax free and can be taken as a loan when it is time to pay for a child's education expenses. Any funds left in the cash value of the policy will continue to keep a level of life insurance in force.
Supplement Retirement
Another attractive feature of permanent life insurance policies is their ability to be used as a part of retirement planning. Because you can place extra funds into the policy, the excess will grow tax-free inside the policy. Under present tax-codes a loan may be taken from the policy. Since the loan proceeds are not taxed, they provide a tax-free addition to your retirement income.
At Legacy Wealth Strategies we offer our clients Personal, Wholistic Wealth Mangement. This simply means we are not only looking to grow your wealth; but also to identify risks and dangers to your goals and help implement a plan to protect against them.