Dana Point, CA
Life Insurance Solutions
The Income Professionals recognizes your need to protect your family from unforeseen occurrences. Each situation is unique, requiring an individual solution. One form of protection is the utilization of one of the many life insurance solutions available.
The Income Professionals designs life insurance solutions that include a form of the following policy types:
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Universal Life: Universal life insurance policies have flexible premiums; the policy owner may change the death benefit from time to time and vary the amount or timing of premium payments.
Whole Life: Whole life is a basic type of permanent life insurance that can provide lifetime protection with a level premium and a level death benefit.
Term Life: Term life insurance does not build up cash value and the premium normally increases as the insured gets older. It’s is an ideal solution for individuals who have children under 21.2nd To Die: This type of life insurance for two people (usually married) provides benefits to the heirs only after the last surviving spouse dies. It’s often used for estate planning, ensuring a wealth transfer to children or charities.
Single Premium: Policy owners who wish to begin accumulating cash value immediately may choose to purchase whole life insurance by making one premium payment, rather than installments.
Final Expense: Commonly utilized for burial or funeral expenses, final expense insurance provides affordable protection against expenses incurred from putting the insured to rest.
Mortgage Term: A mortgage term insurance policy pays off the balance of your mortgage if you or your spouse passes away. Additionally, it is a complete package of coverages designed to ensure that whatever happens to you, you'll be able to stay in your home without financial hardship.
Equity Index Life: Equity index life insurance policies offer several different indexes from which to choose. The cash value is not at risk even if the index you choose is down; policies are available offering a minimum guaranteed rate of return.
Critical Illness Life: Critical illness life insurance policies will pay out a lump sum upon diagnosis of a specified serious illness. You decide the number of years the policy will be in force and the level of coverage you require at the outset.
