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Life Insurance Simplified

Overwhelmed by all of the choices and decisions regarding life insurance?

With so many competing companies in the life insurance business, not all companies look at personal profiles the same. One company may have a lower premium than another for middle-aged men who take cholesterol medication. Another company may offer the most competitive rates for women in their twenties with a family history of breast cancer.

At Lifestyle Life, we pride ourselves on doing our homework and placing you with the most competitive carrier possible right from the get-go! Many factors, such as age, gender, health, family history, as well as travel plans, leisure time and sporting activities can affect your rates and premium levels. We understand these different factors and will spend time getting to know you. With the knowledge we gain about your particular situation, our experts will make suggestions on whether term or permanent life insurance policies would benefit you and find competitive rates that fit your budget.

Put your family's mind at ease when it comes to their financial stability. Use our Life Insurance Calculator to start finding affordable plans in under a minute.

Why Choose Lifestyle Life for Life Insurance?

As an independent insurance agency, Lifestyle Life offers policies from most major underwriters, allowing Lifestyle Life to offer products that best match the needs of the insured. Our success comes from serving our clients, not the insurance companies.

What You Need To Know About Life Insurance

Life insurance offers you the peace of mind to know that your family and loved ones are protected against financial difficulties in the event of a premature passing. Rely on the experience of Lifestyle Life to educate you on the options available to you and your family.

Content

  • The Importance of Life Insurance
  • The Types of Policies
  • Term Insurance
  • Whole Life Insurance
  • Universal and Variable Universal Life Insurance
  • 5 Things To Consider
  • Pricing, and What Coverage You're Really Getting
  • Buying the Right Amount of Life Insurance
  • Buying the Right Kind of Life Insurance
  • Review Existing Life Insurance Policies
  • Canceling or Letting Your Policy Lapse Before Doing Your Homework

The Importance of Life Insurance

Life insurance helps to ensure that your family and loved ones are protected against financial difficulties in the event of a premature death.

Combined with investments, retirement funds and estate planning, life insurance is a fundamental part of a sound financial plan.

Term Insurance

Offers the most cost-effective, protection for a fixed period of time such as 10, 15, 20 or 30 years.

Whole Life Insurance

Designed to provide guaranteed permanent protection and cash savings accumulation, combined with tax-advantaged access to the cash savings component.

Universal and Variable Universal Life Insurance

Designed to give permanent protection, with the flexibility to adjust premium payments; variable universal life offers permanent protection, combined with investment potential.

Pricing, and What Coverage You're Really Getting

Prices may vary dramatically from different companies for the same life insurance policy. So working with a company that has access to a variety of options allows you to get the best rates for your situation.

Buying the Right Amount of Life Insurance

If you pass away unexpectedly, your dependents lose the paycheck and income that you brought home each month.

To replace your income and help your family maintain their standard of living, think carefully about how much investment capital your dependents would need to replace that income, for a given period of time.

Buying the Right Kind of Life Insurance

The goal of the life insurance will usually help determine if Term Insurance or a permanent style of insurance is necessary.

In most cases the goal of replacing income and protecting the family's lifestyle can be achieved most cost effectively with Term Insurance.

In other situations such as estate planning and business succession planning or final expense planning, a permanent style of life Insurance can sometimes be best.

Review Existing Life Insurance Policies

Rates and products are constantly changing and term life and permanent insurance rates are at all-time lows. The best rates available to you now may be significantly lower than what you are currently paying on existing policies.

Canceling or Letting Your Policy Lapse Before Doing Your Homework

In some cases, term-life people mistakenly let their policies lapse or cancel them before having adequate coverage to replace or before finding out what the policy may be worth in the Life Settlement market.

Similarly, many term-life policy holders age 65 or older may be able to "sell" their term policies for cash and permanent insurance policy holders may be able to get more money than their cash surrender value.

You are in safe hands

Enjoy financial protection that always comes with peace of mind.

Ⓒ 2021 Lifestyle Life. Formerly XML Insurance Group, all rights reserved.
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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Lifestyle Life, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.