Do you have Life Insurance? If you don’t Get it! Call me for a quote! Rest easy knowing your family is protected. Las Vegas Life Insurance, Life Insurane Las Vegas 89131, 89143, 89166, 89149
1-702-616-8384
Huggins Family Insurance
6628 Sky Pointe Dr, Suite #111
Las Vegas, NV 89131
(702) 616-8384
6628 Sky Pointe Dr, Suite #111
Las Vegas, NV 89131
(702) 616-8384
Offering Insurance for Nevada
Posts Tagged ‘life insurance’
People only want Life Insurance when?
Look at this picture and then remember your family. Don’t leave them out in the cold if you pass away.
Most customers know they need life insurance but they only want to buy when they have one foot in the grave. Insurance is Cheap when you are young, insurance is expensive or unattainable when you are older. Listen folks we are dying every day and our health is getting worse not better. If you can afford 25 dollars per month then you can afford Life Insurance. You can give your family hope when you pass away. Don’t leave your family with debt when you are gone. If you need insurance and you live in Nevada please give me a call or ask me a question on this site.. I am always available to all customers even if you are with another company.
Thank you for looking!
1-702-616-8384
Life Insurance
If you don’t have Life Insurance please give my office a call at 616-8384 and ask for Chris. Don’t leave your family helpless if something happens to you.
Huggins Family Insurance
Las Vegas, Nv 89131
Life Insurance
Life Insurance
Life InsuranceSimply put, life insurance gives your loved ones financial security after you’re gone. You pay a monthly premium, and if the unexpected happens, your loved ones get a death benefit they can use for things such as medical bills, funeral expenses, outstanding mortgage, college tuition and even living expenses.
You can feel confident today knowing your family will be secure with the life insurance policy that you choose if they ever have to make it on their own.
In working with you, our approach is based on a simple philosophy: Insure Today. Secure Tomorrow®.
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Life Insurance Options
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Life Insurance Options
Term Life Insurance: This coverage lasts for a “term” you choose, usually 10, 15, 20, or 30 years. During that time, your life insurance premiums are guaranteed not to increase. If you pass away during that time period, your beneficiaries get a cash death benefit. If you live longer than the term period, you have the option to continue your life insurance coverage for an annual, renewable premium, which is generally much higher. You can usually convert a term life insurance policy to a permanent life insurance policy without getting a new medical exam.
- Permanent Life Insurance: There are two big ways that permanent life insurance is different from term life insurance. First, the policy is meant to last the rest of your life (as long as you make the required premium payments, of course). Second, part of the money you pay into your permanent life insurance policy is set aside in an account where it can grow cash value that you can tap into later on. There are several types of permanent life insurance, each with different advantages.
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How Life Insurance Helps
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How Life Insurance Helps
Life insurance helps you plan ahead, so your family will be taken care of even if you can’t be there for them.
The cash benefit paid out by life insurance can protect a lot of important things:
• If your spouse is depending on your income for retirement, it can keep those plans on track.
• If you’ve got a mortgage, it can pay off that debt so your family won’t lose their home.
• And if you want your kids to go to college, or you want to leave money behind for them, it can do exactly that.The other great thing about the benefit of life insurance is that it’s generally paid out tax-free. So when you look at the amount of coverage you want to buy, what you see is what you get. There’s no guesswork about how much gets taken out in taxes after your life insurance benefits have been awarded.
As you can see, life insurance is very flexible. That’s why it makes sense for a lot of people, even if they all have different goals.
- Who Needs Life Insurance
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Who Needs Life Insurance
• Parents who want to make sure their children are cared for
• Those with debts they don’t want to pass on to loved ones
• People who want to lock in a lower insurance rate while they’re young
• Homeowners who want to make sure their family can pay off the mortgage if they should die
• Families who rely on a stay-at-home parent
• If you have a life insurance policy through your employer, because your policy does not go with you when you switch jobs
• Entrepreneurs who want to protect their business
• Those who want to leave a legacy for their children and grandchildren
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Variable universal life insurance products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before purchasing a policy or investing money. Variable universal life insurance policies have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, policy features, the underlying portfolios, fees, charges, expenses and other pertinent information. To obtain a replacement prospectus or a copy of the underlying portfolio prospectuses, please contact your Allstate Personal Financial Representative, or call Allstate Life Insurance Company at 800-203-0068 for more information. Please read the product prospectuses carefully before purchasing a policy or sending money.
ALLSTATE LIFE INSURANCE COMPANY (ALIC), HOME OFFICE, NORTHBROOK, IL. ALIC IS NOT LICENSED IN AND DOES NOT DO ANY INSURANCE BUSINESS IN NEW YORK. IN NEW YORK, ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK, HAUPPAUGE, NY.
Life Insurance
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You want to protect what matters most in your life: your loved ones. With life insurance, you help to ensure that the financial needs of your family are met in the event of your death. This means peace of mind for you now, knowing your family will be secure in the future.
Who Needs Life Insurance?
You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death.
The money your dependents will receive, “the death benefit,” can help pay essential day-to-day expenses, such as mortgage and medical bills, and help your family reach longer-term goals such as your children’s college education. Plus, life insurance can help ensure that your loved ones are not burdened with debt or forced to sell assets to pay outstanding bills or taxes.
How Much Insurance Do You Need?
This depends on a few factors. Generally, the rule of thumb is 7 times your salary; however, as life changes, your insurance needs might, too. It’s a good idea to reassess your needs annually to make sure you have enough to properly protect your family.
Beyond protection, life insurance can be the cornerstone of your family’s financial security by providing savings and wealth transfer opportunities. In fact, the very first step in selecting life insurance is to decide how you want the insurance to work for your family.
When you’re ready, I can help you determine the amount of protection you may need and the type of insurance that’s right for you.
Christopher Huggins
