Life Insurance

There's so much to protect around you, and most importantly your loved ones.  Whether you're looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or something to cover your final expenses, we have options to fit your needs and budget.

Term Life Insurance

Term life insurance is the most straightforward form of protection. You generally pay premiums and your family is protected for that "term."

 

  • Help provide for a family's loss of income

  • Cover short-term debts and needs

  • Provide additional insurance protection during the child-raising years

  • Provide longer term protection to help your family pay off a mortgage or to help pay for a college education

Whole Life Insurance

Lifetime protection for a lifetime of needs and opportunities.

 

  • Level premiums to age 100.

  • Tax-deferred growth of cash value.

  • Death benefits generally pass on income tax-free to your beneficiaries.

  • Cash values can be accessed during the insured's lifetime.

  • Eligible to earn dividends; however, dividends are not guaranteed.

Universal Life Insurance

Protecting Your Heirs and Your Retirement with Universal Life Insurance

 

  • Flexibilty -- You decide the amount of life insurance and premium payments subject to policy minimums.

  • Death benefit — Life insurance proceeds are generally income tax free to the beneficiary.

  • The growth in cash value is tax-deferred under current federal income tax law.

  • Access to cash value — The cash value can be accessed to help with education expenses, provide a retirement supplement, or other personal objectives.

Final Expense Insurance

Did you know:

 

  • The average funeral cost today is $8,343.1

 

  • Additional fees for cemetery, monument, flowers, & obituaries can increase this cost to nearly $10,000.2

 

  • Considering the average costs over the past 40 years and projecting out at 5% inflation per year, by 2030 the cost would be $18,276.3

 

  • The Social Security Death Benefit only provides a lump sum benefit of $255 for those who qualify.4

 

1 Source: 2013 National Funeral Directors Association General Price List Survey.
2 Source: http://www.funerals.org/faq/940-consumercemetaryguide
3Does not include cemetery costs.
4 Source: Social Security Rules & Regulations 404.390

LANDMARK FINANCIAL GROUP, LLC

"Securing Your Financial Future"