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Life Insurance Policies

Insurancero Life Insurance Policies

YOUR LIFE, YOUR POLICY.

Chances are you have spent many hours searching and considering which type of life insurance is right for you. We want to make sure you feel confident in your policy, so we’re here to guide you along the way.

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All Life Insurance Types

TERM LIFE INSURANCE

Term life insurance, also known as pure life insurance, helps bring peace of mind to those that have increased needs for protection. Term life may be a beneficaial option for those that have the need for greater coverage now, that may not be needed later on down the road. For whatever life throws at you, a term policy allows you to have coverage to protect those you care about in life along with the flexability to terminate, convert, or renew when the term ends.

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ACCIDENTAL LIFE INSURANCE

Life is unpredictable. Thats why we offer Accidental Death and Dismemberment Insurance (AD&D). This is usually paired as a rider with life or health insurance to cover those unintentional accidents that happen in life for you and your family. This offers protections in the case that you are seriously injured or killed in an accident and mirrors the value of the exsisting policy it is attached to.

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UNIVERSAL LIFE INSURANCE

Universal life insurance is a plan that is similar to whole life that allows the policy holder to have permanent life insurance. Also similar to whole life, there is an investment savings element that offers “cash value” which can be withdrawn or borrowed against for those unexpected turns and whatever life throws at you. What differentiates universal life from whole life? Universal grants the ability to adjust the amount of the policy in order to meet your current life demands. This universal flexiblilty can simply be achieved through having the adjusted amount approved through the provider, rather than having to purchase an entirely new policy.

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GUARANTEED ISSUE WHOLE LIFE INSURANCE

Don’t qualify for a policy due to age? Think again. Gauranteed issue whole life insurance, or also know as gauranteed acceptance life insurance, is a plan that allows acceptance with no medical checks or questionaires required. This is a valuable asset which if you are between that ages of 50 to 85 you are qualified for coverage, even despite any health-related issues. You determine the amount of coverage you need ranging from $5,000 to $25,000.

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WHOLE LIFE INSURANCE

Whole life provides a policy which allows the holder to have the benifits of a life insurance policy but it also adds the factors of permanency and “cash value”. Due to these factors, this form of policy is typically more expensive than a term life. Though it can have a price increase, whole life allows the policy holder to build equity in the form of “cash value” which will continue to grow through the premium and is also tax deffered such as a IRA or 401(k). This growing asset is an esstenial component of whole life and allows withdrawls or can be borrowed against if needed.

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