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.
Kevin has assisted us in finding the most appropriate and cost-conscious life insurance. We felt very well directed in his hands, as he is well-versed in the intricacies and nuances characteristic of life insurance underwriting. He has also guided us to some knowledgeable associates when we were searching for a more affordable health insurance for our family. We were given excellent and timely advice. It is an added bonus that Kevin is so personable, warm and genuinely caring about his clients.
- Kara Veigas
Kevin acheived verifiable results for me in a timely and professional fashion. I would highly reccomend him for all of your insurance needs.
- Eric Dietz
Kevin is very knowledgable on insurance matters, and has helped a number of my clients obtain the insurance they desired. I have no hesitation in referring clients to Kevin, and each time I have done so the client has had a positive experience.
- Timothy Monahan
I have been working with Kevin and his company for nearly a decade now. He has always been extremely professional and proactive in the services he provides. We have established a strong business relationship which I value and trust and look forward to continuing to work with him in the future.
- Joey Beard
