TERM LIFE INSURANCE & WHOLE LIFE INSURANCE – CORNERSTONE

Nothing can take away the emotional and physical pain your family will have to endure when you become injured, critically ill, or worse; face an untimely death. However, with a reliable life insurance policy, you can be at peace knowing that your family’s financial needs are well taken care of. A Life Insurance expert can help you review different insurance options and determine which one suits your needs and preferences.

TERM LIFE INSURANCE POLICY: PROTECTING YOURSELF AND YOUR FAMILY

If you have specific life insurance needs, are paying off debts or mortgage, or want to protect your income until your children or spouse are no longer dependent on you, then term life insurance is what you need.

A licensed term life insurance brokers will determine the most cost-effective insurance for you based on several factors such as

• length of term
• amount of coverage
• your age
• gender
• smoker or non-smoker
• general health status

Identifying these factors will help us find the best term life insurance that suits your needs and personal preferences.

The minimum premium will be based on your specific preferences, but as insurance brokers, it is our job to get you the best coverage without breaking the bank. To do this, we perform a thorough review of term life insurance quotes and find the most suitable rate and package for you.

We also offer group or employee life insurance packages. Typically, companies will cover one or two years wage replacement for their employees, depending on the budget the employer has for the insurance plan.

WHOLE LIFE INSURANCE THAT LASTS A LIFETIME

It’s one thing to provide financial protection for you and your family over a certain period of time. But securing whole life insurance is something we highly recommend as well. A whole life insurance policy is ideal for people who are looking for reliable life insurance to cover final expenses, generational wealth transfer, or estate planning.

Premiums are determined based on your goals and how we would fine-tune the insurance to accomplish them. To provide you with the best whole life insurance, A licensed whole life insurance broker will conduct a comprehensive review of several factors (similar to term life insurance) like

• length of term
• amount of coverage
• your age
• gender
• smoker or non-smoker
• your general health

They will then help you choose from a list of whole life insurance plans that best cover your needs.

Unlike term insurance policies where premiums increase over time, whole life insurance premiums, in many cases, will stay consistent for the life of the policy. Alternatively, it can also be fully paid within 10 or 20 years, or at age 65. It can also be stopped at certain points based on the policy’s cash value.

Whole life insurance policies cover, but are not limited to:

• No cash-value option
• Cash-value option
• Participating dividend option
• Non-participating dividend option

Start securing your future today by contacting us to help you find a Life Insurance expert to find the best insurance policy for you.

HAVE YOUR POLICY REVIEWED

The type of life insurance you choose should fit well with your long-term financial plan. If you just wish to discuss your Life Insurance options or have your current policy reviewed, please email Gilles Wilvers or call him at 780-445-0634 for further information or a quote.