Life Insurance & Annuities

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They pay cash to your family after you die, allowing loved ones to remain financially secure. Life insurance payments can be used to cover daily living expenses, mortgage payments, outstanding loans, college tuition and other essential expenses. And, importantly, the death-benefit proceeds of a life insurance policy are almost never subject to federal income taxes.

If someone depends on you finan­cially, you probably need life insurance.

Here are some examples of specific life stages or life events that might trigger the need for Life Insurance􀀁

When you need insurance for life stages:

A Parent or About to Become One

Married or Getting Married

A Homeowner


Changing Jobs

Retired or Planning for Retirement

Insurance proceeds can fund many types

of different expenses:

Your true need for coverage is often 10 to 15 times your gross annual income, sometimes more.

Fill out the form below to calculate how much Life Insurance you may need:

The most basic feature of a life insurance policy is the death benefit: the lump-sum payment your beneficiaries beneficiaries

would receive if you were to die.

Some types of life insurance offer riders or other features that can play an important role in your financial strategy, such as the ability to accumulate cash value that grows over time.

Term Life Insurance

Term Life Insurance offers coverage for a specific period of time - "the term" - and is designed for temporary circumstances. It makes the most sense when your need for coverage will disappear at some point, such as when your children graduate from college or when a debt is paid off. The money disappears at the end of the term.


Permanent Insurance

Permanent insurance offers lifelong protection, and you can accumulate cash value on a tax-deferred basis. This cash account can be used for a variety of purposes, from helping you out of a tight financial spot, to providing funds to take advantage of an opportunity, to supplementing your retirement income. The downside? Initial premiums are considerably higher than what you would pay for a term policy with the same face amount.

Janice at Benefits4U2 is a qualified insurance professional and can help

you find the Life Insurance that is right for you.


􀀁Annuity Values Grow Tax-Deferred

With an annuity, your money grows faster because you earn interest 0n dollars that would otherwise be paid in taxes and this interest is compounded. Under current law, annuities grow tax-deferred. Annuities may be subject to taxation during the income or withdrawal phase. 􀀁

What is a Fixed Index Annuity?

A Fixed Index Annuity is an insurance contract that provides you with all of the features of a traditional

Fixed Annuity, plus Interest Credits linked to a stock market index. 􀀁

If you're looking for:

• Safety & Guarantee

• Growth Potential

• Option for Guaranteed Income􀀁

How can you benefit?

Preservation of premium with a minimum interest rate guarantee on Fixed Account money.

- AND -

􀀁The opportunity to generate, a guaranteed lifetime income.


Probate is the legal process a person's estate goes through at death,

transferring assets to beneficiaries and concluding financial affairs.


• Public record

• Could take months or years


• May avoid probate

• Proceeds go directly to your named beneficiary

Proceeds from an annuity are the business of you, and your named beneficiary.

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