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LIFE INSURANCE
Finding the Right Plan
Thinking about life after we have moved on can often be uncomfortable. Whether it is to pay off an existing mortgage or outstanding debt; or provide your family with the financial nest egg that will carry them through a life-time, now is the time to prepare.
Financial Centers is an independent insurance agency that represents several of the highest rated and established Insurance Companies in the world. Not only will be able to assist you in choosing the right type of life insurance product, we are able to compare which carrier best suits your individual needs.
Understanding Policy Coverages
Term Life Insurance
Coverage for a “term” or period of your life
Least expensive for higher coverage
​Fixed Rates
No equity – cannot be used as cash value
Whole Life Insurance
Permanent, not for a specific period.
Protection carries with you your whole life.
​Can build equity and have cash value.
Higher premiums than term life, but can be more valuable in the long run.
Universal Life Insurance
Permanent coverage
​Payments made above costs will be credited toward cash value
Flexible Premiums- ability to put more or less in the policy
​Typically less expensive than an equivalent 'Whole Life" policy
Fixed Indexed Universal Life Insurance
Same Benefits as Universal Life
Potential to accumulate cash value
based on positive changes in an external market index
We Represent Only The Top Rated Carriers
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