Life Insurance

Associated Insurance Professionals represents an unparalleled number of companies offering our clients unlimited choices. Our rating software is state of the art which constantly updates all policy and rating changes maximizing our clients’ purchasing power. Our intent is to assist clients in their development of family protection plans and assure competitive pricing by industry leaders who are financially stable and committed to servicing the products they sell.

Since 1992, Associated Insurance Professionals has served our clients for all their insurance needs. Term Life Insurance is more affordable than ever. However, the choices are more involved and less clear than in the past. Let us break down the options and detail the best value for your insurance dollar. We'll do the homework for you...then you choose the best plan for your specific needs.

 

Term life insurance policies provide affordable, temporary coverage. Term policies contain no cash value and are designed for death benefit protection only. The premiums may be level for the first 10, 15, 20 or 30 years, depending on the policy selected. Because the death benefit protection is for a limited period, the premium is often the lowest of all types of life insurance policies. However, after the level term period, premiums go up significantly and increase annually.

Whole life is the traditional form of permanent life insurance. It provides the certainty of level premiums, a guaranteed interest rate and a guaranteed death benefit1. Whole Life provides the extra security of guaranteed protection at affordable rates, yet it includes the element of cash value accumulation.

 Universal life is a flexible premium, adjustable life insurance product that provides you with the flexibility of choosing the policy features that are appropriate for you and adjusting those features as your financial priorities and needs change. The policy cash value grows on a tax-deferred basis.

Indexed universal life is a version of universal life that combines death benefit protection with the opportunity to grow cash value through an account that credits interest based upon the upward movement of stock market indexes – without the risk of investing directly in the market.

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Why Life Insurance:

Life insurance can help provide your beneficiaries with financial protection should you die prematurely. However, there are several other benefits that a life insurance policy can provide.

  • Pension Maximization
  • Retirement Planning
  • Estate Plan
  • Legacy Building