解决方案s to ensure your loved ones have what they need.
Individual life insurance in the middle Tennessee area, 包括纳什维尔, TN及周边县.
You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
Individual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off. 我们很乐意和你讨论这些选择.
第一个, you’ll need to determine the type of life insurance you want to buy, with the most common types being term life insurance, 终身寿险和万能寿险.
简单地说, with term life insurance you pay regular premiums for a set period and the policy only pays out if you die during this period.
哪种保险方案适合你的家庭?
Explore how having the right insurance can protect you from the unexpected.
为家庭提供保障
风险因素
Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, 随着大学学费, 费用, 房间, and board resulting in another potentially enormous expense. 如果你明天就死了, 有资金来提供食物吗, 服装, 日托, 以及孩子的教育费用?
解决方案
Having life insurance could secure the future for your children if you have an untimely death. 有人寿保险, there could be enough income to help pay for everything your child might need while growing up.
抵押贷款
风险因素
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.
解决方案
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.
自动支付
风险因素
Many families lease or finance their automobiles these days. 如果家里的主要收入来源死了, the family could be left with outstanding car payments for years to come.
解决方案
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
葬礼费用
风险因素
An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
解决方案
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
保障你的退休储蓄
风险因素
一旦你退休, 你将靠社会保障生活, 如果你有幸拥有它们, 养老金或退休基金, 太. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.
解决方案
生活 insurance can help support a surviving spouse during their retirement.
保护你的小企业
风险因素
如果你去世了，你的生意会受到影响吗? There are many complications and financial issues that can arise due to the death of a business owner. 许多人忽视了这种困境.
解决方案
A life insurance policy can keep a business moving along even during tough times, 比如失去了企业主/合伙人. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. buy-sell协议, 由人寿保险出资, allows the other partners in the business to buy the deceased’s share of the business, 谁将为他或她的家庭提供资金.
配偶赡养费/换领收入
风险因素
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
解决方案
生活 insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.
终身寿险没有固定期限. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, 如果你死后还有未偿还的贷款, 该政策的支出可能会受到显著影响.
The premiums you pay depend heavily on your age and medical history, along with the amount you want the policy to pay out. So, it’s important to seek expert advice before committing to life insurance.
Contact us and we’ll walk you through the options and help you to determine if term life insurance, whole life insurance or universal life insurance are right for you.
个人人寿保险报价请求
As an independent agency, we offer multiple options at competitive prices.