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Living Benefits
Not all life insurance is created the same. Many life insurance policies only payout when you die. Did you know some life insurance policies can also provide access to death benefits while you're still living? Living benefits pays you not only when you die, but can also help to take care of you and your family by enabling the owner to access the death benefit in the event you experience:
- Critical Illness
- Chronic illness
- Terminal illness
Basics of Living Benefits!
Basics of Living Benefits For more information, please contact us or use our simple no-obligation quote.
Living Benefits Explained
Mortgage Protection
For most American families, the mortgage represents the largest source of personal debt - a debt that easily defaults in the event of the primary breadwinner's death, chronic or critical illness. Our mortgage protection insurance is designed to pay off your mortgage or replace your income to make sure your family can keep their home no matter what. In addition to mortgage protection insurance, we offer mortgage disability insurance to ensure that payments are made when you are unable to work due to an illness or injury.
Term Life InsurancePrepare for the future with term life insurance from Freedom Financial Solutions in Charlotte, North Carolina. Death is an emotional time for a family; the loss of income and looming threat of unpaid bills only makes it worse. With term life insurance, you can save your family from worry by providing them with a cash benefit in the event of your death, giving them the security they need to avoid serious financial problems during a difficult transition. Click the photo for more information on Term Life Insurance. |
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Indexed Universal Life
Many of us have the same question and concerns for when we are older: "will I have enough money coming in each month to retire and live comfortably?" IUL's have many benefits and features besides a death benefit. IUL policies allow you to take money out of your policy when you need it without a penalty, extend retirement cash flow for up to 30-40 additional years from a traditional 401k, IRA or mutual funds.
Whole Life Insurance
Whole life insurance is a valuable insurance product that protects an insured for their entire life. Unlike the popular and less expensive term insurance, whole life insurance remains in effect as long as the premiums are paid. While whole life insurance is much more expensive than term insurance, it offers a number of advantages. The death benefits are paid to the beneficiary tax-free and can be used at the beneficiary's discretion. A whole life policy is a great gift to purchase for children as a savings instrument or college fund.
Final Expense Life Insurance
Final expense insurance allows the names insured to feel safe knowing that funeral related expenses are covered regardless of the statutes of their estate at time of death. Have peace of mind knowing that funeral related expenses are covered, without placing the financial burden on your family when a loved one dies.
Annuities
In today's economy, retirement income is no longer as certain as it once was. It's becoming increasingly important to have a sound financial plan in place. With an annuity, you can guarantee income for the rest of your life and enjoy your golden years without worrying about finances or burdening your family. |
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By failing to prepare, you are preparing to fail.
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Let Freedom Financial Solutions help you stay on the right path to success.
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