Life insurance is one of those financial products that everybody needs but few understand…
How much is enough? How does it work?
What kind to I need? What do I have when the term is up?
These are just a few of the important questions that I often hear from clients. My answer to all of them is the same… “It depends…” Everyone’s circumstances are different and therefore a conversation is needed to customize a life insurance strategy plan that takes all these variables into consideration.
The first question every client needs to ask is “Do I want his death benefit if I die, or when I die?” The major difference is whether a term or permanent life policy is best for you. If you understand the difference, feel free to use the Ethos Life link below to get a quick quote and then if you like what you see, you can take a few minutes more and apply and get an answer in a few minutes. If you prefer to get help from an agent, give me a call and I will be pleased to assist.
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How you can access your Death Benefit while you are alive
Most people have policies with a terminal illness rider that allows you to receive up to 50% of you DB when you are diagnossed with a terminal illness. But many did not know they can access funds for Critical or Chronic illness as well. These are called accellerated death benfits (ADBs)
Does your policy have this provision?
Do you wish it did?
If you are ready to have this very important conversation, please click this link to find a time on my schedule.