 Life insurance is often seen as a primary component of a financial plan. Life insurance offers death benefit protection providing needed dollars during some of the most difficult times that you or our loved ones will ever face. It is an affordable way to guarantee a second chance for our families giving them the ability to maintain there lifestyle for a sufficient period to re acclimate into their new lives. For some it can mean meeting family obligations or protection for outstanding loans or mortgage responsibilities.
We at Pinnacle Health and Life insurance company work with the top 39 “ A “ rated companies to give you a large array of choices based on your specific needs and budget. Our licensed and trained agents will listen to your needs and will guide you with intelligent information to insure that you and your family will get the proper type and value of coverage so you can relax knowing that everything is taken care of.
Term Insurance
Term insurance is designed to provide pure life insurance protection for a specified period of time – typically anywhere from 10 to 30 years. It pays a death benefit only if death occurs during that time and is typically more affordable than other types of life insurance. This is a very popular option because term insurance offers level premiums for stability, as well as the option to convert your term coverage at a later date to a permanent life insurance plan. You can also add coverage to your policy thru options called riders (children’s insurance rider, for example)
Whole or Universal Life Insurance
There are many choices in life and often the choices you make today may not be the same as those you would make tomorrow – especially when it comes to your finances. Universal life is flexible premium life insurance that allows you to choose features that fit your current needs and to adjust these features as your needs evolve and grow. These plans can also build significant cash value over time. Insured’s at younger issued ages can lock in affordable long term coverage at a time when life insurance is most affordable, making this option popular for those seeking to provide a life insurance policy as a gift for a child or grandchild. We at Pinnacle Health and Life Insurance Company will help you understand your options and choices so that you can make the right decisions.
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