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Life Insurance
Most people don’t like to think about life insurance. But it’s an important way to protect your family or a business partner.
* Whole Life always pays off, which makes it more expensive.
* Term Life gives you lots of insurance for a much lower cost. It protects you for 10, 20 or 30 years.
* Universal Life is somewhere in-between, both in price and protection.
There’s a place for each. It depends on your situation.
Most people don’t like to think about life insurance. But it’s an important way to protect your family or a business partner.
* Whole Life always pays off, which makes it more expensive.
* Term Life gives you lots of insurance for a much lower cost. It protects you for 10, 20 or 30 years.
* Universal Life is somewhere in-between, both in price and protection.
There’s a place for each. It depends on your situation.
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Let’s discuss what’s best for you. Call me now at 928.777.8736 or click here to email me.
I can give you quotes for all three kinds of life insurance and help you decide which is best for you!
TERM LIFE INSURANCE:
* Term Life is the most popular. It's great to cover the 20-30 years until your kids are grown and on their own.
* Term is good to pay off your mortgage,and it can be less expensive than mortgage insurance. If you move, you take the term life policy with you.
* Term has the same premium payment for the duration of the term. Then look out, 'cause it goes WAY up!
UNIVERSAL LIFE INSURANCE:
* Universal Life has a variable premium that you chose as you go along. The more you pay, the longer it lasts. Interest rates can affect it too.
* Universal has pretty much replaced whole life because it has such nice benefits for you.
WHOLE LIFE INSURANCE:
* Whole life is a good way to pre-pay burial/funeral expenses.
* Whole life can be used to move money to the next generation without paying inheritance taxes. Life insurance benefits are tax free.
* Whole life premiums never go up. You can have a policy that gets paid up and then you don't have to make any more payments.
* Whole life has a cash value, and you can borrow against it, or cash it out and cancel the policy.
Please contact me today for quotes and a personal insurance consultation!
Serving clients all over the USA from:
• Prescott
• Prescott Valley
• Chino Valley
• Flagstaff
• Anthem
• Phoenix
• Northern Arizona
• Central Arizona
Contact me Nancy Vargo, your Independent Insurance Agent today!
