Four Major Life Insurance Types
Perfect Plan Solutions offers four major life insurance types, from numerous life insurance companies. You will not find a better premium for these plans anywhere.
Whole Life Insurance
Whole life insurance provides permanent protection for life as long as premiums are paid. Whole life policies gain cash value, which you can access through a loan, and also provide your loved ones with a death benefit, upon your death.
You should expect to pay higher premiums than you would for a term life policy, but your premiums remain the same throughout your lifetime.
Final Expense Insurance
Losing a loved one is an extremely difficult experience. And making matters worse is the financial burden out-of-pocket expenses can impose at the end of life. They average $12,000.
Final expense life insurance can help prevent families from having to withdraw from their savings or sell precious assets to come up with the necessary funds required to bury a loved one.
Term Life Insurance
Term policies offer life insurance coverage for when you need it most. Term periods range from 10 to 30 years, and coverage is usually renewable at the end of those terms.
Get insurance coverage for the time frame you need it most, and pay less premiums than you would for a permanent insurance policy
Universal (and IUL's) Life Insurance
Universal life insurance is a type of permanent life insurance that provides coverage for life, as long as premiums are paid. Like whole life insurance, it also has a cash value component, which allow earnings to grow tax deferred. This means no tax will be due on earnings, until they are withdrawn.
Unlike whole life insurance, Universal life allows owners to modify the amount and frequency of premium payments as long as there is sufficient cash value in the policy to cover monthly deductions.
Let's Get Started and Figure Out Your Needs
Please note that Perfect Plan Solutions does not give online quotes for Universal or Whole Life Insurance Policies. You will need to Schedule a FREE consultation to speak with an agent for further pricing options!
You may also Schedule a Call With A Live Agent, if you have any general questions about life insurance, but are not quite ready to schedule a consultation.
What Our Clients Receive
If you're ready to receive our personalized, step-by-step assistance with picking a plan, book your FREE consultation below!
Our Consultations are of no cost, and come with no obligation to purchase a policy. You should always expect the following:
Free, personalized assistance with shopping for an insurance plan.
1 on 1 Consultation to educate you on the various insurance policy options!
Customer-Service based conversation, to determine your family's needs, and guide you to the perfect plan that works for you!
