Why Buy Life Insurance?

Your life insurance gives your family choices by providing the benefits to help pay off debts, to help meet housing payments and ongoing living expenses, to help fund college educations for your children or grandchildren, and much, much more. Life insurance provides cash when it’s needed most, when you’re gone and no longer able to provide for your family financially. By purchasing life insurance, you can guarantee that your death will not leave your family to deal with the financial burdens of life by themselves. 

Whole Life

Whole life insurance costs more because it’s designed to build cash value. But keep in mind that a life insurance policy shouldn’t be an investment or money-making tool—it’s simply meant to provide security, protection and peace of mind for your family should the unthinkable happen. Many couples choose to buy whole life insurance when they get married so that the spouse would be protected financially in the event that one becomes widowed.

Term Life

If you buy term life when you’re young and healthy the monthly premium can cost as little as about a dollar a day. Many couples purchase 20-Year Term Life Insurance right after a new child is born to make sure the child is protected until after they become adults or graduate college. Term Life policies can be upgraded to Whole Life policies when you are ready to increase the coverage. Term Life Insurance allows you to take advantage of the financial protection life insurance offers now so you can provide protection right away because it is offered at such low monthly rates.

Legacy Life

(Final Expense)

Do you need final expense insurance? The answer to that question will vary from person to person. Many people between the ages of 50-80 turn to a Legacy Life Final Expense policy to ensure they do not leave their child(ren) responsible for their burial expenses including funeral service fees or cremation fees. By purchasing a Legacy Life Final Expense policy, you will ensure that your family has no financial burden and allow the services for your final rites to proceed honorably exactly as you intend for them. Policies can be purchased from $8,000-$12,000 in benefit 

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I Didn't Know Life Insurance Can Do That?

Return of Premium

With the ROP policy, in exchange for the insurance company to collect your premium payments and reinvest them in the market over the course of the term, they will return your premium payments at the end of the term if you do not die by the end of the term.
You mean the insurance company will actually return all of my premium payments if I don’t die during the term?
 
So I can buy life insurance, and if I don’t need it, all of my premium payments will be returned to me?

Universal Life Insurance

Wait, you mean I can buy a life insurance policy that accumulates cash value based on how the stock market does, but I can’t take a loss even if the stock market doesn’t do well? 
 
Universal Life Insurance policies can grow annually by up to 15% depending on market trends.  And after the policy has accumulated enough cash value, you can even be allowed to miss a few payments if you need to save for a different expense.
 
Since the policy accumulates a cash value, you can even borrow against it if you need a loan payment for a down payment on a car, a house, or in preparation for marriage or a baby. 
Annuities

Annuities

Say you are the beneficiary of a life insurance policy or a similar settlement where you are expecting to receive a few thousand dollars. If you choose to be prudent with your finances and purchase an annuity with this money, you can provide yourself with monthly payments to distribute the funds over time while allowing your money to turn a conservative yield throughout the payment period.

 

Annuities are no risk, and are guaranteed to provide a small yield on your money. 

 

Contact

Phone: + 1 (833) 513-4943
Email: insure@omg4life.com
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