Whole Life Insurance
This is a life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided that the premiums are paid on time, or to the policy’s maturity date. Its advantage over term life insurance is that term life will only provide a death benefit to your heirs; with whole life insurance, premiums build cash value that you can use later in life or that will be added to the death benefit pay-out.
This is also called “whole of life assurance”, “straight life” and “ordinary life”.
The primary advantages of whole life insurance are:
Protection for life, because it does not go up or go down in value.
Level premiums, in that the rate you pay will never increase.
Cash value, because a portion of your premium builds cash value which you are able to borrow against.
However, there are several restrictions and limitations that should be examined very carefully and these need to be discussed with specialised insurance professionals. Call Janis and her team at Health Insurance Advisor (515-225-9994) or visit the office at 5870 Merle Hay Road to get advice and to discuss what cover you actually need before taking a final decision.
Whole Life Insurance Atlanta, Kennesaw, Woodstock, Acworth, Roswell, Smyrna, Mableton, Sandy Springs, Vinings, Marietta GA
PPO Insurance Plans
PPO plans are particularly popular in the individual and family health insurance market.
Dental Insurance
Accident insurance covers workers for any incident that occurs at work.
Vision Insurance
The accident insurance will help to pay for all the medical and out-of-pocket costs incurred after an accidental injury.
Critical Illness
A long-term policy which covers the serious illnesses.