Life Insurance

LIFE INSURANCE OFFERS A WAY TO PROVIDE FOR YOUR LOVED ONES

If you’re married, in a committed relationship, have children who depend on your income, or any of these could be in your future, you need life insurance.

Life insurance can help ensure your family’s future financial security by providing funds to pay the mortgage & other debts, replace lost income, cover college tuition or trade school, take care of final expenses and transfer wealth.

 Let Me Explain

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life

  • Lower premiums for higher coverage

  • Provides a tax-free death benefit with a fixed rate for 10-30 years

  • No equity – cannot be used as cash value

  • Replaces lost income

  • Pays off expenses (mortgage, credit cards, car, etc)

  • Money for kids to go to college, trade school, and get them started in life


Whole Life insurance basics:

  • A permanent policy

  • Protection carries with you your whole life

  • Can build equity, have cash value and dividends

  • You can borrow from the cash value on a tax-free basis

  • Premiums stay level; guaranteed to never increase

  • Higher premiums than term life, but can be more valuable in the long run


Equity-Indexed Universal Basics:

  • A permanent policy

  • Protection carries with you your whole life

  • Can build equity, have cash value and dividends

  • You can borrow from the cash value on a tax-free basis

  • Follow a stock market index

  • Premiums are flexible

  • Higher premiums than term life, but can be more valuable in the long run


Term + Whole Life Combined:

  • Build lifelong base of whole live coverage

  • Supplement specific times of your life with term insurance

Wilfinger Health + Life Is An Independent Licensed Agent

I work with a wide variety of insurance companies to ensure my clients needs are met. I do not work for a specific insurance agency I work for you.

Is an insurance you are interested in not listed? Contact us today!

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5 Life Insurance Mistakes To Avoid

Life insurance can help ensure your family’s future financial security by providing funds to pay the mortgage & other debts, replace lost income, cover college tuition or trade school, take care of final expenses and transfer wealth.

I want to ensure that you are getting the most out of your life insurance so we rounded up the top 5 life insurance mistakes to avoid.