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This type of limited period insurance is a great way to acquire a substantial death benefit for relatively inexpensive premiums. Once the term expires, the policy owner can choose to forgo coverage or potentially obtain further coverage.
Also known as cash value policies; whole life, universal life, and indexed universal life can provide a death benefit AND cash value that accumulates during the policyholder’s lifetime. The policyholder can use the cash value as a tax-sheltered investment, as a fund from which to borrow, as a means to pay policy premiums, or it can be passed on to heirs.
The fact is 70% of people over the age of 65 will need some form of long-term care. Eliminate the financial risk of health uncertainties and burden on loved ones with asset-based plans that can offer in-home and professional facility care as well as additional benefits such as cash value not offered in traditional plans.
Whether an individual is not covered under an employer, self-employed, or looking to supplement their current coverage obtained through the SDI program, disability insurance can help replace 45-65% of gross income on a tax-free basis should injury or illness prevent he/she from working.
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