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Life Insurance

When it comes to choosing Life Insurance, everyone’s circumstances are different.

Term Life Insurance is life insurance that provides coverage at a fixed price for a specific period of time. As such, it is often less expensive than permanent life insurance products that
typically cover you for the entirety of your life.

Term Return on premium (ROP) insurance covers you for a specific period of time if the
plan is not used within the term period all premiums paid will be refunded at the end of the term
period.

Whole Life Insurance is typically more expensive than term life insurance provides lifetime protection.

Indexed Universal Life (IUL) insurance is permanent, which means it lasts your entire life and builds cash value. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates

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Final Expense

Finale Expense, also referred to as burial insurance covers end of life expenses including funeral arrangements and any remaining medical expenses that may need to be settled by your
beneficiary.

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Mortgage Protection

Mortgage Protection will pay off or pay down your home loan in the event that you suffer from a
critical, chronic, or terminal illness become disabled or pass away.

*Requires no medical exams
get same day coverage.*

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Annuities

A Fixed Indexed Annuity is a long term investment that allows your assets to grow tax deferred
and for an additional cost, offers an optional guaranteed lifetime withdrawal benefit that provides guaranteed “retirement paycheck” for you and your spouse. This is guaranteed to grow each
year income is deferred. These plans also have ROTH options.

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Barnett Forde Insurance Consulting Group

Are you ready to weigh your options?

Contact us today for a free quote to see which insurance type best suits you.

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