Did you know that life insurance doesn’t just pay when we die? Life insurance can help you through terminal illness, college planning, creating tax-free income and help pay for long-term care. As independent advisors we work with you to determine the appropriate plan based on your goals and resources.
Some of our Life Insurance Product Providers
*not all plans offered in all counties
Basic Types of Life Insurance
Accent Insurance Group can help you with any of these types of life insurance. We have over 100 different life companies available to us to help find the perfect policy to fit your needs!
Term Life Products
Known as a temporary insurance, usually 5, 10 20 or 30 year time periods, low cost.
Universal Life Products
Known as a permanent insurance, also more flexible than whole life, potentially builds cash value.
Whole Life Products
Known as a permanent insurance, not as flexible as a Universal policy, builds cash value, stays in force as long as you continue to pay your premium.
Final Expense Products
Known as a permanent insurance, builds cash value, usually between $5,000 to $50,000 death benefit amounts, minimal to no health questions, sometimes known as “easy issue” policies.
Single Premium Whole Life
SPWL, permanent insurance, usually purchased with a single premium, builds cash value, paid up insurance.
Leaving a Legacy
Life insurance has beneficiaries but what about your other assets? Your assets represent a life of hard work. But without proper planning, they may not be distributed the way you want – and even Uncle Sam might take a cut. We start by asking whom you wish to provide for when you’re gone. Then we work with qualified estate planning attorneys to establish a plan for distributing your assets in a tax-efficient manner. Our goal is to maximize the amount of money that transfers directly to your beneficiaries.
Life insurance doesn’t sound complicated right? It pays when you die, right? The answer is, sort of. Life insurance is always evolving. Do you have Living Benefits? Finally you can have your cake and eat it too!