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Life Insurance
ChiroSecure works closely with our experienced underwriters to assist you in getting the best policy coverage and premium. We have several different policies to fit your life insurance needs. Life insurance can be used for mortgage protection, income replacement, final expenses and most of all for peace of mind knowing your loved ones are financially set for the future.
Product Summary
Life insurance protects and helps financially support the loved ones of the insured in the event the named insured passes away. Life insurance policies are legal contacts and the terms and limitations are outlined in the policy itself.
Types of Life Insurance
- Term Life Insurance - Term Life Insurance provides a cost-effective solution for your temporary life insurance needs and gives you the flexibility to change your policy should your temporary needs turn into permanent goals.
Whole Life Insurance - Whole Life Insurance is the most basic form of permanent life insurance. This policy features guaranteed premiums, death benefit, and cash value. Whole Life Insurance protects you for your entire life unless you cancel the policy.
- Universal Life Insurance A Universal Life insurance policy provides flexibility that allows you to change, within limits, the death benefit and the timing and amount of your premium. You can build your policy's cash value, or pay a lower premium and focus more on guaranteed protection.
- Variable Life Policies - Variable Universal Life Insurance has flexible terms that allow you to change, within limits, the death benefit and the timing and amount of your premiums. It also lets you invest your cash value in professionally-managed funding options that reflect the performance of underlying investments such as stocks and bonds
How it works
The person applying for life insurance will be required to complete an application with their personal information to determine the premium of the policy. The insured will decide on who to appoint as beneficiaries on the policy. In the event of the death of an insured the beneficiaries will received the funds for financial assistance (amount is determined based upon the policy) as long as the policy is current and has not been previously canceled.
What will affect the cost of the policy?
There are a few things that will help determine the premium on the policy. The first and main thing that is looked at is the age of the insured. The older and individual is, the more expensive the policy will be. The next thing that will be taken into consideration is the health history of the insured. Having an extensive history of health problems can also cause the premium to go up or may cause denial in coverage. Lastly, criminal offenses such as DUI, theft, etc on the insured’s record will have a major effect on the insurability.
Your ChiroSecure team will work to get you the best options to fit your personal needs.
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