Ensure your family is prepared for the unexpected for your entire life.
Whole Life Insurance
Purchasing whole life insurance is an easy way to protect your loved ones financially without worrying about policy expiration dates. Like all life insurance products, whole life pays a death benefit to your beneficiaries if you die while your policy is active. While most people will find term life insurance more affordable, the permanence of whole life coverage and the tax-deferred cash value make it a good choice for high-earners or people with lifelong financial obligations.
Consider these three areas when choosing your whole life policy:
Select a payment schedule that matches your needs. Think about how you'd like to customize your premiums -- you can choose how long you want to pay premiums with a guarantee that they won't go up.
Mix of Death Benefit & Cash Value
Consider what's important to you so that you balance cash value accumulation and death benefit protection.
Cash Value Growth
Cash value can be as important as the death benefit. Policies can be structured to let you choose how quickly your cash value grows, so you can access it when you need to.
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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200