Posts Tagged ‘ Term Insurance ’

Term Life Insurance Rates

Term Life Insurance Rates are at an all time LOW!!!  If you currently have a term life policy, grab your bill, give me a call 800.240.3390 and see how you could potentially save some $$$.  Washington State, Oregon, Idaho, California.

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Long Term Care Plan

There’s No Place Like Home…and there’s a new long-term care plan you just can’t beat to help you stay there. Your home is the center of your life.  It’s where your kids grew up.  And it’s where they’ll keep coming for family dinners and holiday get-togethers.  Your home is where you’re most comfortable.  And it’s where you plan to stay.

If you’re like most people, going to a care facility is something you don’t want to do.  But, did you know there is a long-term care insurance policy that actually may help keep you out of one by allowing you to get the care you need right in your own home?

A long-term care insurance policy also may help alleviate your other concerns.  For example:

  • If you don’t want your kids to have to worry about taking care of you, long-term care insurance can provides benefits to help pay for care so you can enjoy the time you spend together.
  • If you don’t want to put your retirement savings at risk, long-term care insurance can help you protect your savings from the high cost of long-term care services so you can enjoy all the things you planned to do in retirement.
  • If you don’t want others making decisions about your care, long-term care insurance allows you to decide what’s best for you so you get the care you need in the setting of your choice.
  • If you want to have something to leave your kids, long-term care insurance can help ensure you’re not putting their inheritance in jeopardy.

Let me show you how a long-term care insurance policy from United of Omaha Life Insurance Company can help you stay at home so you can continue living life on your own terms.  Contact me today.  I’ll be happy to provide a no-cost assessment of your long-term care needs.  And as always, there’s no obligation to buy.

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Why Buy Term Life Insurance

Why buy term life insurance instead of other types of life insurance.

Simple answer is because term life insurance is the purest and simplest form of life insurance. If you pay the premium “the company” will pay the death benefit. And as long as your term life policy is a level policy your rates will not increase in the term policy, they will stay the same for that same term. Term insurance coverage is not just less expensive than a traditional whole-life policy. It’s substantially less expensive. For example a 35 year old male in the state of Washington can get a $200,000 20 year term polcy for around $12/mo.  Whereas that same $12/mo. would buy about $1445.00 of death benefit.  As you can see often, the difference in premium is thousands of dollars per year, and tens of thousands of dollars over one’s lifetime. Talk with your agent Brian Gruss today and see just how inexpensive a term policy is.  Even if you already have a term policy, let’s take a look at it, right now term rates are the cheapest then they ever have been.

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