Your Insurance Consultant For Life
what can A Personal Consultant help you with?
Retirement Solutions
Insurance may seem like an unnecessary expense, but should something go wrong, you’ll be happy to have it. After all those hard years of work, you’ve earned a break – so make sure you have the coverage you need and have documented a detailed retirement plan. Then, just relax and enjoy life.
Generational Wealth
For many people, a focus is on building generational wealth, and that goes beyond simply building up a retirement fund or a stock portfolio to pass on to their heirs. For those who want to know the next generations are cared for, they often add life insurance to their estate plans.
Wealth Preservation
If you have a spouse, children, or aging parents who depend on you, life insurance should be part of your overall financial plan. One of your greatest assets is your ability to earn income and maintain a comfortable lifestyle for you and your loved ones. We insure our homes against fires and our cars against collisions—and we should also insure our future quality of life.
Financial Security
Your loved ones depend on you. But what if the unexpected happens? The loss of your financial support could drastically change their lives. Life insurance adds a level of security that helps replace earning potential and offers living benefits, too. Protect loved ones and take advantage of the unique opportunities of life insurance..
Wide range of products to choose from
Whole Life
Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred..
Term Life
Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
Universal Life
Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
Survivorship Life
Survivorship life insurance – available as whole life, universal life or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
Annuities
An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.
Fixed Interest Deferred Annuities
With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.
Lifetime Income Annuities
Lifetime Income Annuities – An income annuity where income payments begin immediately – one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.
Long Term Care Insurance
Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.
Here is our team
Kevin McVicker
Life INsurance Advisor
Paul McVicker
Life Insurance Advisor
Get a Free Consultation Today with us
call 919-369-4926 today!