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Life Insurance


Life Insurance Information

 

Life Insurance Solutions

 


Risk Management

A sound financial plan must address the insurance coverage's you, your spouse and family members may require. Life insurance is typically thought of as a way for survivors to help pay for funeral expenses, repay outstanding debts such as a home loan, vehicles, etc., make charitable donations and provide for living expenses for surviving family members. It can also be used to cover estate taxes and probate fees to enable families to help transfer their estate in the most appropriate manner. Perhaps one of the most important features is the tax-deferred growth, and tax free access to cash values (via policy loans, which are generally tax free, accrues interest while reducing cash value and dealth benefit) making life insurance advantageous for retirement planning.

  • Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred and are typically guaranteed (backed by the claims paying ability of the Insurance Company).

  • Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

  • Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.

  • Survivorship Life - available as whole life, universal life or variable universal life – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

  • Strategic life insurance planning – Our planners will determine how much life insurance you need, how to own the life insurance and what type is appropiate. Whether it is for business or personal protection, the life insurance team at CRW will educate you as to how to use life insurance to your advantage while helping your family and estate.

  • Disability Income Insurance is used to help partially replace the income of persons who are unable to work because of sickness or accident. In terms of its financial effect on the family, long-term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer-provided benefits, and individually purchased policies.

  • Long Term Care coverage provides custodial and non-skilled care, such as assisting with normal daily tasks like dressing, bathing, and using the bathroom. Increasingly, long term care involves providing a level of medical care that requires the expertise of skilled practitioners to address the often multiple chronic conditions associated with older populations. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. Long-term care may be needed by people of any age, even though it is a common need for senior citizens.
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