Life Insurance


Life Insurance

Cost Effective Factor

Do I need It?

Example: If you purchased a Long Term Care policy at age 58, $200.00 day, Lifetime Benefits until compounded inflation 0 day Elimination assuming your annual premium is $5,714.00 If you were to pay this for 20 years you would have paid $114,281.00. Now if we look at what the monthly benefits would be (approx) $15,120.00 and divide this total premium paid by the monthly benefit and you will find that in 7.6 months the Long Term Care policy would pay more then you paid in premium for 20 years.

We do believe Long Term Care can be extremely cost effective.

Permanent Insurance – Learn more about Permanent Life Insurance here

There are four basic types of permanent insurance:

  • Whole Life
  • Joint Whole Life
  • Survivorship Life
  • Universal Life
  • Variable Life
  • Variable Universal

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