Life Insurance Bonds In Asheville, Marion, Spruce Pine, Morganton, Old Fort, Gastonia, NC, and Surrounding Areas
Someone or some people depend on you for both immediate and future expenses. Unfortunately, we can never know when exactly the unthinkable will happen. This is why taking care of your loved ones’ future needs should be done as soon as possible. Why you may be thinking life insurance is too expensive or out of reach, many policies are more affordable than your weekly lunch cost. You owe it to your dependents to leave them with the gift of security at the hardest time of their lives.
Affordable Life Insurance Bonds
Studies have shown repeatedly that people overestimate the cost of life insurance. We truly do mean what we said about the cost of life insurance being less than your weekly lunch costs. And, all costs will depend on the type of life insurance you decide to buy. This is why an independent agency such as Tate Insurance & Financial Services can find the options you need and know which insurance companies to search for. We are ready to answer all your life insurance questions including:
- Which type of life insurance should I buy?
- How much life insurance is enough for me?
- What or who do I need to cover?
- Do I have to complete a physical?
- What is the difference between permanent life, universal life, and whole life?
Whether you are single, married with kids, empty nesters, retired, or a small business owner, we can help you determine the coverage you need to ensure you and your family’s financial security. It is never too early to start planning for your family’s future.
Whole Life Insurance
Whole Life Insurance, also called permanent life insurance, can be a great benefit for those looking for guaranteed financial protection. When coverage is issued, the policy cannot be revoked, reduced, or canceled except for extreme situations such as non-payment or fraud. The certainty of whole life insurance is attractive to many individuals because of benefits. One is the return of premium term life where all the premiums are returned at the end of the policy term. Other benefits can include:
- Guaranteed benefit
- Tax advantages
- Cash value
- Fixed premiums
- Lifelong protection
If you are interested in learning more about whole life insurance, universal life insurance, or any other type of life insurance, call us. We understand that not all life insurance types apply to all people so we will be happy to go over the options with you.
Annuities are a great option for many people.
Part of a diversified portfolio, annuities provide a reliable and guaranteed retirement income. This can be especially attractive to individuals worried about outliving their investments. Annuities come in several different options for you to pick which works best for your situation:
Fixed-rate annuities – this annuity provides a guaranteed payment for predictable income. Safe from a volatile stock market, fixed-rate annuities are similar to a certificate of deposit.
Indexed annuities – for those who are interested in their annuities tied to the stock market performance, indexed annuities are for them. Capped annuities will have a cap on the upper limit of return.
Immediate annuities – this provides a guaranteed payment disbursement for a lump cash sum payment. The benefit is long-term stability with tax-deferred income in the form of life-long income payments.
We offer other insurance plans designed to protect your assets and family in the event of illness, disability, and more:
- LTC insurance
- Disability ins
- Pet Insurance
- Business Partner Life insurance (Key Man insurance)
No matter what you are looking for – death benefit, income retirement, or a mix, we can help you navigate the different options and get you and your family’s financial future planned.
Life Insurance Bond Options:
We can meet your needs for:
- Permanent Life
- Universal Life
- Whole Life
- Term Life
- Return of Premium Term Life (with this product all the premiums are returned to you at the end of the policy term)
- Long-Term Care Insurance (LTC)
- Disability Insurance
- Pet Insurance
- Business Partner Life insurance / Key Man insurance