Life Insurance
[/fusion_text][fusion_separator style_type=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”5%” bottom_margin=”” border_size=”0″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” border_radius=”” box_shadow=”no” dimension_box_shadow=”” box_shadow_blur=”0″ box_shadow_spread=”0″ box_shadow_color=”” box_shadow_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” publish_date=”” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”5%” padding_right=”” padding_bottom=”3%” padding_left=””][fusion_builder_row][fusion_builder_column type=”2_3″ layout=”2_3″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” border_radius=”” box_shadow=”no” dimension_box_shadow=”” box_shadow_blur=”0″ box_shadow_spread=”0″ box_shadow_color=”” box_shadow_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]Do you have a serious medical issue; diabetes, high blood pressure, heart problems, cancer history? Call Progressive Concepts Insurance today for a free consultation and quote. We can get you the coverage you need and save you a lot of money and hassle.
Insuring your Life
Insuring your life concerns leaving your family and loved ones with enough support after you pass away. Term and permanent life insurance are usually for a face amount sufficient to cover your earning power now and for the rest of your life. Don’t leave the future of your loved ones to chance. Life insurance can help you fulfill the promises you’ve made to your family when you’re gone.
Life insurance needs vary depending on your personal situation; the people who depend on you. If you don’t have dependents, you probably only need final expense life insurance. If you do have dependents; a spouse, children or other family members, it’s an important safety net for those who depend on you. The life insurance proceeds can be used to pay off debts such as a mortgage, auto loans, credit cards; and replace your income or provide college tuition funds. A very general guideline is obtaining a policy with a payout of between 5 and 10 times your annual salary in the event of your death. Call me to obtain a more detailed analysis of your need.
Although you may have some life insurance through your job, it’s generally a good idea to have your own policy in addition to the coverage provided by your employer. The policy through your employer is probably not enough to meet your family’s needs and usually ends if you leave your job.
Other Possible Needs:
- Stay-at-home parent- Life insurance could cover the cost of paying for services the parent does for free, such as child care.
- Divorced parent- A policy could cover the support payments that a divorced parent makes.
- Parent of a special needs child- Life insurance can make sure the child will have financial support after a parent dies.
- Someone with co-signed debt (such as student loans or credit cards)- Life insurance could cover the cost of the debt.
- High net worth individual- Life insurance can provide funds for heirs to pay estate or inheritance taxes.
- Someone who wants to provide an inheritance- If you don’t have a lot of wealth, life insurance can provide a small inheritance to heirs.
Progressive Concepts Insurance can help you find the right life insurance policy for you. Contact us today to get started.
*We have available a proprietary paperless term life platform currently with 5 of the top carriers in the market, with more being added. Accelerated underwriting up to $1,000,000 up to age 60 depending on health status. No exam, no blood, no medical records. Get accelerated underwriting decisions in days, not weeks or months.
[/fusion_text][fusion_separator style_type=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”30px” bottom_margin=”” border_size=”0″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_button link=”/contact” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”custom” button_gradient_top_color=”#444444″ button_gradient_bottom_color=”#444444″ button_gradient_top_color_hover=”#0c5100″ button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”” bevel_color=”” border_width=”” size=”xlarge” stretch=”yes” shape=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]Agents interested in using this platform for your clients, for more information and contracting contact us today. Ask for Richard Sanchez.[/fusion_button][fusion_separator style_type=”single solid” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”40px” bottom_margin=”40px” border_size=”1″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]How to Choose the Type of Life Insurance Policy
Life insurance is chosen based on the needs and goals of the owner.
Term Life Insurance- covers a limited time period, such as 10, 15, 20, 25 or 30 years, and does not build cash value. You choose a term that matches the years when people depend on you financially. The premium payment stays the same for the period you select. Used for paying off a mortgage, replacing your income during your working years, paying for college. Later, your house will be paid down, your kids are grown and out of college, and you’ll have some money in the bank, reducing your need for life insurance. Furthermore, if there is a continued need, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility to change to lifetime coverage, and at a time when perhaps more funds may be available for higher premiums.
Universal Life Insurance- a type of permanent life insurance designed to provide lifetime coverage. Unlike whole life insurance these policies are flexible and allow you to raise or lower your premium payment or coverage amounts throughout your lifetime. Higher premium payments than term life. Used for same reasons as term plus longer term income replacement where the need extends beyond working years. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage. The cash value can be borrowed against with minimal costs.
Whole Life Insurance- also provides lifetime coverage. Has a fixed guaranteed premium, guaranteed cash value growth, may also pay dividends, and a guaranteed lifetime death benefit. Premiums are higher than universal and term life policies.
Contact Us Today for a Free Consultation and Quote
So, what type of life insurance is best for you? How much coverage is needed? What is the most cost-effective policy for your needs? Give me a call today so I can help you, 877-867-7616.
[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_image_id=”” background_color=”#ffffff” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” border_radius_top_left=”” border_radius_top_right=”” border_radius_bottom_left=”” border_radius_bottom_right=”” box_shadow=”no” box_shadow_vertical=”2px” box_shadow_horizontal=”2px” box_shadow_blur=”10″ box_shadow_spread=”7″ box_shadow_color=”#e0e0e0″ box_shadow_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_button link=”/final-expense-insurance/” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”custom” button_gradient_top_color=”#00426b” button_gradient_bottom_color=”#00426b” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”” bevel_color=”” border_width=”” size=”xlarge” stretch=”yes” shape=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]Final Expense Life[/fusion_button][fusion_separator style_type=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”30px” bottom_margin=”” border_size=”0″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_button link=”/contact” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”” modal=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”custom” button_gradient_top_color=”#444444″ button_gradient_bottom_color=”#444444″ button_gradient_top_color_hover=”#0c5100″ button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”” bevel_color=”” border_width=”” size=”xlarge” stretch=”yes” shape=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]Agents interested in using this platform for your clients, for more information and contracting contact us today. Ask for Richard Sanchez.[/fusion_button][fusion_separator style_type=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”30px” bottom_margin=”” border_size=”0″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_widget_area name=”avada-slidingbar-widget-1″ title_size=”” title_color=”” background_color=”#e4e4e4″ padding_top=”7%” padding_right=”7%” padding_bottom=”7%” padding_left=”7%” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” publish_date=”” class=”” id=”” background_color=”#226d4c” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”4%” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” border_radius=”” box_shadow=”no” dimension_box_shadow=”” box_shadow_blur=”0″ box_shadow_spread=”0″ box_shadow_color=”” box_shadow_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]