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in the most convenient way
Term insurance usually provides the largest amount of insurance protection at the lowest initial cost. For this reason, it’s the type most people start out with. Because term policies end at a specific point—the end of the term —they are best for providing protection for large needs with specific end points. For example, the parent of a young child may choose a 20-year term policy to provide protection until the child is over 18 and, perhaps, on his or her own.
Other typical periods you might choose term insurance to cover include the time: * Remaining on your mortgage obligation. * You plan to continue to work and have others relying on your income. * Remaining on an outstanding business or other loan. |
Long-term care or LTC is any of a wide range of ongoing services and support systems designed to help individuals perform self-care when they are unable to do so themselves. It can be something as simple as one spouse helping another out of bed at home, or it can involve providing round-the-clock medical care to a chronically ill patient in an institutional facility where the individual lives full time.
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In basic terms, an annuity is a financial instrument that provides a means to accumulate funds for the future, and then systematically distribute those funds over a given period.
With an annuity, the owner deposits money into the contract in the form of premiums. The insurer then invests these funds, which are credited with interest earnings or grow in value in relation to the performance of the investments in which they are deposited. |
If diagnosed with a major illness (such as cancer, heart attack, stroke or kidney failure), Critical Illness Policy will provide an immediate payment to the insured, tax-free, to be used any way your client deems necessary, such as to replace lost income and cover deductibles, co-pays or out-of-network expenses; access the best health care; or even explore experimental drugs or treatments.
Critical illness insurance pays you a lump-sum cash amount if you are diagnosed with any one of the critical illnesses covered by your policy, even if you make a full recovery. |
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