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Term Life Insurance with Living Benefits
You pay a premium for a period of time between 10 and 30 years. If you die during that time a cash benefit is paid out to your family or anyone else you requested as your beneficiary. Living Benefits allows you to accelerate a portion of the death benefit while living when faced with a qualifying chronic, critical, or terminal illness.
IUL- Indexed Universal Life insurance
IUL- Indexed Universal Life insurance is a type of permanent life insurance, which has a cash value component in addition to a death benefit. The money in your cash value account can earn greater upside potential, flexibility and tax-free gains. With the IUL you won’t lose any money.
LTC-Long Term Care
Long-Term Care is an optional benefit on a life insurance policy that lets you access a portion of the policy’s death benefit every month to pay for long-term care expenses. Such as home care services and assisted living services if you’re no longer able to live independently on your own.
Final Expense
Final expense insurance is a smaller more affordable permanent life insurance policy, typically designed to help for end of life expenses such as burial and funeral expenses when you pass.
Fixed Index Annuity
A contract issued and guaranteed by an insurance company. You invest an amount of money (premium) in return for protection against negative returns in the US equity market; the potential for investment growth through being linked to an index (e.g., the S&P 500® Index); and in some cases, a guaranteed level of lifetime income through optional riders.
Whole Life Insurance
Whole Life Insurance is a type of permanent life insurance that provides lifelong coverage with a guaranteed rate of return and premiums that are typically locked-in as long as all premiums are paid on time.
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" I have been a client of Prestigious Insurance & Financial for 2 years and have been extremely satisfied with the services. My family and I now have the proper protection we need."
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