More Coverage For Less Money

FINANCIAL INSIGHT: Overpaying for your life insurance could lead to unnecessary expenses, costing you thousands in extra premiums, or depriving your beneficiaries of substantial death benefits.

Are You Maximizing Your Coverage?

If you are in reasonably good health, the answer is often a definitive yes! Regardless of how long you have maintained your current policy, it benefits you to allow us to conduct a thorough review.

For term or group policies, we can compare costs on an “apples to apples” basis. This process may allow us to reduce your monthly premium or enhance your coverage without additional cost to you.

If you have a permanent policy, it is essential to assess how long your premiums are guaranteed (see Could Your Current Premiums Increase?). If your policy includes cash value, you may have the opportunity to transfer that cash into a new policy. Potential benefits could include:

1. Qualification for a new policy with significantly higher death benefits.

2. Extended guarantees on policy premiums without the risk of increase.

3. Reduction or elimination of ongoing premium payments.

4. Acquisition of a new policy with the same death benefit while surrendering the current policy, allowing you to utilize the cash value at your discretion*.

Your Future Benefits Agent is prepared to assist you in acquiring and interpreting illustrations from your insurance provider. We have successfully guided many individuals in preventing coverage loss due to unexpected premium increases.

Could you potentially enhance your life insurance benefits?

Contact us for a complimentary, no-obligation financial review with a Future Benefits Agent.

Call us at 901-754-2040.

*Surrendering a life insurance policy may result in a taxable event. We do not provide tax advice; consider consulting a tax professional.

See our Professional Disclaimer.