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Life Insurance

An Affordable & Practical Solution

The most straightforward of protection, Term life insurance offers coverage for a financial responsibility that happens during a specific time period. Term life insurance allows your client more personal choice on paying lower monthly, quarterly, or yearly premiums than those associated with whole life insurance policies.

With Term Life Insurance, your client chooses the term length such as 10, 20, or 30 years and the coverage amount from a few thousand up to several millions of dollars. Typically, most people choose a coverage amount that is 5 to 10 times their yearly income.

Benefits of Term Life Insurance

  • Covers end-of-life medical expenses, burial and funeral cost.
  • Pays off debt so that survivors are not burdened.
  • Provides income so that a surviving parent can maintain a standard of living, including support for the death of a stay-at-home parent.
  • Assures that children can attend college, regardless of the surviving parent's income.
  • Pays off their mortgage, insuring that their family will not lose their home.
  • Offers business protection for business owners and their survivors.

Term life insurance is easy to understand, very affordable and a practical solution for protecting loved ones from possible financial hardships that an unexpected loss could create. Whether your clients are financing a home, having a first child or are simply planning for future uncertainties, term life is an important part of their financial planning.

Using the easy quoting tools and list of strong companies provided by David A. Crotts Agent Services, you can easily understand and design a term life policy that fits your client's needs.

A Lifetime of Coverage

A permanent solution to life insurance, Whole life offers policy holders financial security for the length of their lifetime. Just like Term Life, individuals who purchase this type of insurance enjoy a set level monthly premium that guarantees a fixed amount be paid out upon death. In addition, Whole Life Insurance offers its policy holder's additional benefits such as the ability to accumulation cash value on a tax-deferred basis which can be used to help cover life's unexpected expenses. However, it is important to educate your clients properly on the benefits as well as the draw backs of initializing this feature. Cash value policy loans accrue interest and outstanding balances will reduce both the death benefit and overall cash value. Another important distinct between these two types of coverage deals with the length of time a policy can stay in place. Unlike Term Life, coverage offered though Whole Life policy last a life time and is guaranteed renewable as long as the premiums are paid as agreed.

Are Your Clients Looking For?

  • Coverage that last a lifetime?
  • Predictable payments that never change?
  • A way to put additional money into the policy on a tax-favored basis?
  • To build cash value they can use to cover life's unexpected moments?

If so, then it's time to share with them the benefits of owning a Whole Life insurance policy. Contact your David A. Crotts Agent Support specialist today to learn about all the different type of Whole Life coverage and get a quote.

Final Expense Plans

Peace Of Mind In A Difficult Time

Today's funeral costs are skyrocketing with the average funeral now reaching ten thousand dollar range or more (National Caregivers Library). The expense of a funeral is also one of the largest expenditures a family will incur in their lifetime and your clients need a way to gain peace of mind that their final wishes will be carried out properly without added financial stress on their loved ones.

Reason you should be selling Final Expense Plans:

  • These types of plans are renewable for life regardless of changes in overall health of the insured.
  • It takes, on average, 90 days for a settlement payout on a traditional life insurance policy. Final expense policies can release funds upon the death of a loved one as quickly as 24 hours.
  • Final expense plans are much more affordable than traditional life insurance, and do not require a medical exam.
  • Final expense plans, as a division of Whole Life are permanent insurance and maintain a cash value.

    Final Expense plans can be supplemental to more traditional life insurance, or can be used as a stand-alone policy. Clients can rest assured that they are not burdening their families with unexpected end of life expenses, while making affordable monthly payments. Speak with a product specialist today to ensure your clients have the funding when they need it most.

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