Life Insurance | RIGHTSURE (2024)

Life Insurance

When you want to plan for your future and for the future of your loved ones, you should start by finding the right life insurance policy. Life insurance can provide the peace of mind and financial support that your family needs after you have passed.

You do not want the financial security of your family to be uncertain. RIGHTSURE will help you find the right life insurance policy for your needs and you should also be sure that your life insurance policy is going to meet any needs that may change over time.

Life Changes. So Should Your Policy

For all of our customers ,the life insurance that fits and fulfills all of the needs will be unique and dependent on many different factors. When your life starts to change you will need insurance coverage that is adaptable to your needs. There are some life changes that will require slight alterations in a life insurance policy. Some of the life changes that will require a policy change include:

• You recently married or divorced
• You have a sizable estate
• You have a new child or grandchild
• You or your spouse recently received an inheritance
• You have opened or expanded a business
• You have refinanced your home mortgage in the past six months
• Your health or your spouse’s health has deteriorated
• You are concerned about retirement income
• You are providing care or financial assistance to a parent
• You are planning for a child or grandchild’s education
• Your child or grandchild requires assistance or long-term care
• You recently purchased a new home

What You Need to Know

RIGHTSURE will provide you with the opportunity to choose the life insurance plan that will give you the best coverage for your situation. There are many different types of life insurance. Some of them are:

• Term Life Insurance

  Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.

  You may be able to find a term life insurance policy that is flexible and change with you as your needs change.

• Whole Life Insurance

  Whole life insurance is a type of permanent life insurance that will provide you coverage for the rest of your life. As long as your premiums are being paid, your coverage will extend throughout your entire life. Many people choose to invest in a whole life insurance policy, because the policy can build cash value over time.

• Universal Life Insurance

  Universal life insurance is also a type of permanent life insurance. This type of permanent life insurance provides the benefit of flexible premiums, face amounts and unbundled pricing structure. A Universal life insurance policy can build cash value by earning an interest rate that is usually guaranteed to not fall below a specific percentage.

If you need help finding the insurance policy that is best for you, talk with our trained professionals at RIGHTSURE. We can ensure that you have the best protection for your specific situation.

Advantages of Life Insurance

Finding the right life insurance policy is necessary if you want to start planning for the financial security of your family in the future. Life insurance can provide your family with financial security and a peace of mind that is invaluable. There are also life insurance options that will enable you to invest and make more money while you are living.

Life Insurance Death Benefit -After you pass away, your life insurance will provide your named beneficiary income that is tax-free. These funds can be used to pay for funeral expenses, debt, tuition, estate taxes or any other financial need that is manifest. If you are a part-owner in a business, your life insurance policy can also enable your partners to buy out your interests to prevent a forced liquidation.

Living Benefits -A permanent life insurance policy will provide cash value growth that is tax-deferred. This means that you will not have to pay taxes with the growth of the cash value, unless money is being withdrawn. The insured can even take out loans against the cash value of a permanent life insurance policy. This loan can help with the expenses of college tuition or even the down payment on a home.

The right life insurance policy is going to differ for each of our customers . Take time to talk with our RIGHTSURE team today to find the insurance policy that will protect your family and your future.