It is recommended that you review your life insurance coverage and
life style compatibility at least every three to five years. If it
is time for you to review yours, we would like the opportunity to see
if our life products could meet your existing needs.
See if our life products could meet your existing needs.
Term Life
Whole Life
Universal Life
Survivorship Life
Call Today 877-956-6400 or email skovich@provisionsconsulting.com
to learn more.
A Little About Our Life Insurance Products
Term Life Insurance
Consider term life insurance if you only need coverage for a limited period of time—10, 20 or 30 years. A death benefit is paid only if you die during the specified term of the policy. No cash values accumulate, making term costs less than permanent insurance coverage.
Whole Life
Whole life insurance offers you a guaranteed fixed premium for the duration of the policy, a guaranteed death benefit and offers:
- cash values that can be designed to meet specific needs
- an ideal vehicle for estate and business insurance planning
- flexibility when used with buy/sell agreements, key employee plans, executive
- bonus and split dollar plans
- a variety of dividend options
Universal Life Insurance
Universal life insurance (UL) allows you to make an initial payment on the policy with the flexibility to make subsequent payments nearly any time and in any amount. The UL policy will stay in force as long as there is enough cash value to cover the premiums.
Highlights:
- Permanent life insurance coverage
- Flexible premiums
- Adjustable death benefits
- Tax-deferred cash value accumulation
- Competitive interest rate
Survivorship Life
Survivorship life (also referred to as Second-To-Die Life) is a form of life insurance which insures two people and pays benefits only after the second person dies. It’s generally designed to provide funds to pay estate taxes.
