3 Types of Life Insurance

Term, Whole Life & IUL

 There are various types of life insurance products available in the market. Here are three common types:

Term Life Insurance: Term life insurance provides coverage for a specific period (the term), typically ranging from 10 to 30 years. If the insured person passes away during the term, the policy pays out a death benefit to the beneficiaries. Term life insurance is generally more affordable than permanent life insurance because it does not build cash value.

 

 Whole Life

Whole Life Insurance: Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured person. In addition to the death benefit, whole life insurance policies also have a cash value component that grows over time. Policyholders can access this cash value through withdrawals or loans.

 

(IUL)

Universal Life Insurance: Universal life insurance is another type of permanent life insurance that offers more flexibility than whole life insurance. Policyholders can adjust the premium payments and death benefits within certain limits. Like whole life insurance, universal life insurance policies also have a cash value component that earns interest over time.

These are just a few examples of life insurance products, and there are other variations and combinations available to suit different needs and preferences.

Empowering Your Financial Future

Annuities 

Annuities are financial products designed for retirees, individuals seeking guaranteed income, conservative investors, those looking for tax-deferred growth, and those with specific financial goals like funding long-term care or providing for a spouse. They offer a predictable income stream, lower risk, tax advantages, and customization options. It's important to consult a financial advisor to determine if an annuity is suitable for your needs.

About Wealth Wise

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 We believe in building long-lasting relationships with our clients based on trust and integrity. Our team By focusing on providing personalized solutions and expert guidance, your team of experienced financial consultants and life insurance agents can effectively address the unique needs and goals of each client. This approach not only helps clients make informed decisions but also fosters long-term relationships built on mutual trust and understanding.

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