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A life insurance policy is
a important component of a sound financial plan,
protecting your family against financial loss in
the event of your death. Life insurance provides
a valuable death benefit to your beneficiaries that
they can use to meet their financial obligations.
There are two main types of
life insurance, Term Life Insurance, and Permanent
Life Insurance. At Cettei and Connell Insurance,
we will be happy to help you determine which is
the right type for you. We will review your situation,
and consider such factors as your budget, the amount
of coverage you need, and the length of time you'd
like the coverage to last. We will take the time
to explain the different options that are available
help you choose an affordable policy that would
best suit your needs.
Please contact
us, or complete the Life
Insurance Inquiry Form below, and one
of our professional staff will be in touch to discuss
your needs.
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There are two basic
types of Life Insurance:
Term Life Insurance
is usually
a lower cost option, and provides coverage for
a specified period of time, such as 10, 20 or
30 years. If the policy holder dies within the
term period and the policy is in force, a death
benefit is paid to the beneficiaries. At the
end of the term, if the beneficiary is still
alive, the coverage ends. Term life policies
do not have cash values.
Permanent Life
Insurance
provides
lifetime insurance protection. There are four
types of permanent insurance: whole life, variable
life, universal life, and variable universal
life. Most permanent
policies offer a savings or investment component
combined with the insurance coverage. The investment
may offer a fixed interest rate or may be in
the form of money market securities, bonds or
mutual funds. This savings portion of the policy
allows the policy owner to build cash value
within the policy which can be borrowed or distributed
at some time in the future.
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Your privacy is very important
to us at Cettei & Connell Insurance. Please
read our Privacy
Policy for more information.
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2006-2011 © Cettei & Connell, Inc. All rights reserved. Website
by Alpha
Virtual Administrative Services, LLC
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