Life

Insurance

Are You Covered?

  

Make Life insurance a part of your ‘life’ story

You work hard your whole life to provide for and protect the people you love most in the world. Life insurance can be an important aspect of planning for retirement — helping bring you peace of mind and financial security for your family.

Compare options

Term life, whole life, universal life, and indexed universal life insurance plans have one sure thing in common: Each type pays a death benefit when the covered person passes away. The money can be used by heirs to replace income, pay off debts, leave a legacy, etc. But the four types can differ in terms of coverage length, premium flexibility, cash value accumulation and distribution, and other factors.

Term Life Insurance

· Predetermined coverage length (i.e. 5,10,15 years)

· Guaranteed death benefit

· Typically, the most inexpensive life insurance

· No cash value accumulation

 

Whole Life Insurance

· Life long, permanent protection

· Premiums are level for life and will never increase as long as their paid-on time

· Guaranteed cash value

· Cash value can be borrowed against 

Universal Life Insurance  

· Lifelong, permanent protection

·PLUS Living Benefit* Option

·Premiums are flexible, choose to make higher payments when you can afford it or pay a lower amount if money is tight.

· Guaranteed Cash Value

· Cash value accumulates tax-deferred and can be used in the future for any purpose.

 

Indexed Universal Life Insurance

· Lifelong, permanent protection

· PLUS Living Benefit* Option

· Premiums are flexible, choose to make higher payments when you can afford it or pay a lower amount if money is tight. The more premium paid, the better payout when it comes time to draw money out

· Guaranteed Cash Value

· Indexed universal life insurance allows the owner to allocate cash value amounts to either a fixed account or a equity indexed account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. … IUL policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit.

Which Life insurance plan is right for your retirement?

Our knowledgeable insurance agents sit down with you to understand your preferences and goals. They’ll provide you with simple, clear choices and help customize a policy that meets your individual needs. You can count on your insurance agent to help make complex financial decisions about your future easier.

Where To Start

Whether you are looking for term, whole life, universal life, or indexed universal life; FDR has the options for you. We represent multiple different companies that can fit your personal needs, Click the button below to get quoted!

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