If you're diagnosed with a terminal illness, it's essential to make sure you and your family are prepared. Getting coverage with a severe condition can be difficult, so you'll want to make sure you're ready with accelerated death or a living benefit rider ahead of time. A living benefit rider, which allows someone to get the payout from accelerated death benefits, can offer extra peace of mind, whether or not you end up needing it, just like regular term life policies. Let's have a conversation to see if this benefit fits your retirement needs and goals.
Having life insurance can provide peace of mind that your loved ones will have some financial protection to cover these expenses or replace lost income if you were to die.
There are a few kinds of life insurance to choose from and selecting the right option for your needs can be confusing. There are Whole Life, Universal, and Term insurances as well as Fixed and Variable. Our experts can help you navigate these complex choices to ensure you select the right coverage for you and your family.
If you have recently experienced a life or business change, it is a good time to reach out and have a Policy review. Our team can help you find the right combination of products to meet your needs.
To get started, you can review the Life Insurance Needs Worksheet below to gain a better understanding of your coverage needs. Or, if you would prefer, you can email us directly for life insurance quotes and details at LynneClausen@gmail.com
What types of policies protect business owners, top executives and entrepreneurs?
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You can also contact our Individual Life Team for assistance or simply call our team for full-service.
Questions? Our Individual Life Team is Ready to Help! 863-588-1615
Or send an email to: LynneClausen@gmail.com
Whether it is your first life insurance policy or you’re in need of a policy review to assess
current needs, our experts can help you find the right combination of products to protect
your most valuable assets and fit your budget.
To get started, please check off all the questions that apply so we can identify your coverage needs.
LIFE EVENTS, FAMILY STATUS CHANGES & HOMEOWNERS
❏ Had a major life event? For example: marriage, birth, adoption, divorce
❏ Need to ensure loved ones can afford bills and funeral?
❏ Have a new mortgage, debts, or other financial obligations?
BUSINESS OWNERS, TOP EXECUTIVES & ENTREPRENEURS
❏ Have key employees who could result in significant costs to replace?
❏ Want to keep the business family owned and operated after death?
❏ Need to ensure the business can be sold for fair market value in the event of death,
disability or other unexpected events?
❏ More coverage needed since last policy review?
❏ Have a policy more than 10 years old?
❏ Need to improve coverage by exercising a policy option or replacing coverage?
LEGACY PLANNING & LONG-TERM CARE (LTC)
❏ Want to use assets to guarantee inheritance to heirs or a favorite charity?
❏ Have excess assets in portfolio?
❏ Have a standalone LTC policy with increasing premiums?
❏ Have discretionary income and a net worth of $250k or more
(excluding primary residence)?
❏ Need to provide financial support to parents or parents are in a nursing home?
Ask Us About a Personal Life Insurance Review
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