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Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time. With a life insurance policy, you can help secure your family’s financial future by leaving a legacy to heirs, paying for college, paying off a mortgage, covering any final expenses or estate taxes, and more.

There are two main types of life insurance – term life insurance and permanent life insurance. Term life insurance simply covers you for a specified amount of time (10, 20, and 30 year policies being the most common). Permanent life insurance can be broken down into three types: universal, whole, and variable.

  • Term life insurance can be used to replace lost income. This can provide a safety net for your family and help them meet their financial goals.
  • Whole life insurance can be used as an estate planning tool to help preserve the wealth you plan to hand down to your beneficiaries.
  • Universal life insurance offers flexible payment options, death benefits and cash value.
  • Variable life insurance offers whole life protection and an investing component similar to a mutual fund.

Panther Financial Services can also help you get set up with Final Expense Insurance & Legacy Planning if you are looking for solutions to protect, leverage or transfer assets with continuity and tax efficiency.

Book an appointment or contact us by phone or email!

We look forward to assisting you with all your financial needs.