Life Insurance Services
We offer a selection of top-rated life insurance policies, plus options on different types of insurance coverage.
How much life insurance should you carry? Everyone’s life insurance needs are different, but in general, an individual’s needs are greatest from the time they start their careers and/or a family, up until the time they reach retirement, at which time some individuals’ needs for life insurance diminish. It is important to review your life insurance needs often to account for changes in your family’s lifestyle. We can help you calculate your needs to estimate how much life insurance you require.
There are three types of life insurance:
•Term Life Insurance
•Whole Life Insurance
•Universal Life Insurance
Each one has specific components that make them unique. At Susan Polk Insurance, we specialize in understanding your specific situation to help you determine whether term life, whole life, or universal life insurance is right for you.
Life Insurance: Individual Use
Income Replacement
Inheritance and Estate Taxes
Debt Payment and Mortgage Protection
Education Fund for Surviving Spouse or Children
Charitable Donations or Gifts to Family or Friends
Life Insurance: Business Use
Key-Person – Protects the business from income loss due to the death of a key person.
Business Continuation – Funds a buy/sell agreement or stock redemption plan to enable partners or a group of employees to buy the business interest of a deceased partner.
Employee Benefits – It is common to include life insurance protection for employees in company employee benefits plans.
Schedule a Free Consultation Today.
With over 40 years’ experience, we know how to help you find the best life insurance option for your needs.
Call or send us a message today for a free consultation.