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"Life insurance is like a flashlight. You don't think you need one, until you do. But without it, you're left in the dark." 

- Makayla Hendricks

What is life insurance?

Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. Some life insurance policies can provide you with financial protection for a specific duration, while others accumulate cash value, offering a living benefit that can be used for any purpose such as to help supplement retirement income, funding for a child's education, or cash for emergencies

  • Term Life Insurance 
  • Permanent Life Insurance
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Survivorship Life

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How much Life Insurance Will You Need?

How much Life Insurance Will You Need?

Have people in your life you love and want to make sure they’re taken care of when you die? Have debt you need to make sure can be paid off in the event you die? We can help determine how much life insurance you need and what kind! There’s a lot of information out there about life insurance, and there are a lot of different types: Term, Whole Life, Universal and Variable Universal life- it’s our mission to make sure you get what’s right for you and you understand what you’re buying!

1 Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10 percent tax penalty if the policyowner is under age 59½.

Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.



Any Questions?

Are you ready to speak with a Financial Professional about helping to secure your financial future? Get in touch with one of our professionals today.

Phone: +1(716)906-3175

Email: noverkamp@financialguide.com