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antalek Moore
PREPARE FOR YOUR FAMILY’S NEEDS, TODAY
Some consider Life Insurance as the one policy you can skip over as it is not “required” like so many of the other types of insurance such as home or auto policies. And of course, no one likes to think about the “what-if’s,” especially when it comes to unpleasant possibilities that may lay ahead. But when it comes to protecting your family in the time that they need it the most, it’s worth a second thought.
Having the foresight to have a secure Life Insurance Policy in place can help ease the burden in the event of your absence. Investing in life insurance earlier on allows you to enjoy your life now.
So why talk to us here at Antalek & Moore rather than those other companies? We start by listening. We get a sense of what you are looking to achieve and make personalized recommendations for a life insurance policy. We offer several different types of life insurance coverages. We welcome you to set up a time to talk with one of our Certified Insurance Agents today.
PERMANENT LIFE
A Permanent Life insurance policy serves two purposes: to help you financially support your family should you die, and helps you build wealth. As the name states, a New York Permanent Life insurance policy stays with you permanently. The premium you pay is invested, producing returns that can help you fund retirement, emergencies, and more.
PERMANENT LIFE INSURANCE POLICIES
Whole Life
A Whole Life policy accumulates value based on a fixed rate. Your premium will remain the same for the length of your policy, which is as long as you live. You can borrow against a Whole Life policy at any time at the policy’s current loan interest rate.
Universal Life
A Universal Life policy typically offers more flexibility than a Whole Life policy. After your initial premium, your monthly or annual rate is based on how much and when you want to pay. You have the option to skip payments, so long as you know your policy’s cash value can cover the cost of the policy. A Universal Life policy also gives you the freedom to alter your death benefit amount without buying a new policy.
Call us or set up an appointment to learn more about what makes each member of our team a dynamic resource for your New York or national insurance needs.
TERM LIFE
A Term Life policy offers protection for a certain amount of time. If you die before that term is over, your beneficiary will receive the death benefit stated in your policy. Should you live beyond that term, your beneficiaries won’t receive a payment. A Term Life policy is the most basic of the New York life insurance policy options, and often the least expensive.