Life Insurance

Term Life Insurance

How secure is your family’s future without you?

The last thing you or your family should have to worry about is the financial cost of losing a loved one. Funeral expenses, medical bills and taxes are just the tip of the iceberg. How would they cover ongoing living expenses such as the mortgage, healthcare and utilities?

Plan for the future with Term Life insurance.

What are the advantages of Term Life Insurance?

  • Offers level death benefit.
  • Offers a lower cost option compared with cash value insurance.
  • Provides coverage for specified periods of time, which can be during high-need years.

What benefits and features are included?

  • Guaranteed premiums that do not increase during the term unless you receive an accelerated death benefit.
  • Guaranteed renewable to age 95 as long as premiums are paid when due.
  • Covertable to cash value insurance.
  • Portability allows you to take it with you if you change jobs or retire.
  • Includes an Accelerated Death Benefit.

Contact Better Benefits LLC for more information about Life Insurance.

Universal Life Insurance

Are you prepared for all the changes life has in store?

With Universal Life insurance, you have the flexibility you need to protect the life you’re building – when your needs change, when you set or attain new goals, even when unexpected challenges arise.

What are the advantages of Universal Life Insurance?

  • Offers flexible premiums and death benefit amounts.
  • Builds cash value at current credited interest rates.
  • Provides access to the policy’s cash value when needed.
  • Provides a death benefit (to age 100) that can be paid to beneficiaries tax-free.

What benefits and features are included?

  • Offers two plan design options: level death benefit or increasing death benefit.
  • Includes an Accelerated Death Benefit.
  • Allows you to borrow against your policy’s cash value or take cash withdrawals from cash value if needed.

Contact Better Benefits LLC for more information about Universal Life Insurance.

Whole Life Insurance

Are you prepared for your family’s future without you?

What is Whole Life Insurance?

Whole life insurance can help provide life-long protection for you and those who depend on you. You can count on it to be there – without worrying about becoming uninsurable later.

What are the advantages of Whole Life Insurance?

  • Offers lifetime protection that will not change as long as premiums are paid when due.
  • Provides a guaranteed death benefit that is typically tax-free to your beneficiary.
  • Guarantees premiums will never increase due to changes in your health or age.
  • Earns tax-deferred interest as the cash value accumulates.
  • Guarantees the cash value amount as long as required premiums are paid.
  • Helps you meet emergency needs by allowing access to your policy cash value through a policy loan.

What benefits and features are included?

  • Includes a Guaranteed Purchase Option.
  • Includes an Accelerated Death Benefit.
  • Offers a $3,000 Immediate Claim Payment.
  • Portability allows you to take it with you if you change jobs or retire.

Contact Better Benefits LLC for more information about Whole Life Insurance.