The loss of a loved one is possibly the biggest burden in life. Unfortunately, that loss can be compounded by the financial burden that falls on loved ones left behind. That’s why life insurance is one of the greatest gifts you can give to your family and one of the best ways to find peace of mind in this world before you depart to the next.
Insurity Financial Services can help you protect and provide for your family even after you’re gone with a life insurance policy to fit your goals. IFS advisors also specialize in term life, universal life, and whole life policies, so you and your family can receive more benefits while you’re living, when you need or want them most.
If you’re on the fence about life insurance because you think it’s too expensive, think again. Adults consistently overestimate the cost of life insurance coverage. In fact, according to the Life Insurance Marketing and Research Association (LIMRA), half of Americans overestimate the cost of life insurance by as much as three times the actual cost.
IFS advisors shop 35+ insurance companies to find you the plan that provides maximum benefits for the least amount of money. Best of all, there’s no fee to talk with one of our advisors and get multiple, hand-selected life insurance quotes to provide you with a variety of options.
You might also think life insurance is too complex and confusing. It’s true that life insurance can be hard to navigate on your own, but we’re here so you don’t have to. IFS does all the work for you. From shopping multiple insurance companies to submitting applications, we make it easy to find the coverage you need at a price you can afford.
IFS advisors help retirees and entrepreneurs take advantage of unique insurance benefits to safeguard their financial health. Case in point: using life insurance to “create your own bank.”
This isn’t a bank in the physical or actual sense, but in terms of where you borrow money from and who you pay back. Instead of taking out a loan from a financial institution and paying back interest fees that enrich the bank, you can borrow against your death benefits (DB) and retain the interest within the cash value (CV) of your policy.
Borrowing against your life insurance policy could be a sound strategy depending on your unique financial situation and under special circumstances for things like tuition payments, emergencies, and even to supplement your retirement income.
IFS can help you understand this concept, and also select the right policy to take advantage of life insurance loans if and when it makes sense to do so.
Taking care of your loved ones after you die is just part of the reason to have life insurance. With the right coverage in place, and a trusted advisor to show you how, you can access supplemental benefits while you’re still living. Some policies provide living benefits, which you can use to pay for unexpected medical expenses and to provide long-term care benefits.
IFS offers a range of life insurance policies with living benefits, and we make sure you fully understand what living benefits are and how you can benefit from your policy under unexpected circumstances. Our living benefits “niche” is what sets us apart from other independent insurance agents, so if you’re interested to learn more, you’ve come to the right place.
While any life insurance policy is better than none, the right policy depends on the unique circumstances, needs, and goals that make you, you.
At IFS, we understand that everyone’s insurance needs are as unique as their fingerprints, which is why we custom tailor our recommendations and strategies to fit you, not the other way around. Our advisors ask questions, and listen carefully, to pair you with a life insurance policy that meets all of your needs today, tomorrow, and whatever comes after.
Stop worrying, start living, and enjoy the peace of mind that the right life insurance policy affords. You’ve earned it; let IFS help you achieve it.
IFS advisors provide complete assistance throughout the entire process, from determining your needs and shopping for life insurance policies to reviewing quotes and submitting the application. And best of all, there’s no risk, no obligation, and no fees to talk to a life insurance advisor.
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