What types of Life Insurance are available to me? 


There are many kinds of life insurance, but they generally fall into two categories:
Term Insurance and Permanent Insurance. 

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance is best utilized when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid in the event of your death. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to retain over a long period of time. 

No one coverage is "better", as it will always be determined by your unique and specific needs and financial goals. The best way to determine the amount and type of Life Insurance for you is to meet with a qualified and licensed life insurance professional.

Contact our Financial Services Team at 941-745-8300 to obtain more information about Life Insurance and how it can protect you and your loved ones.







           
717 Manatee Ave W. , Suite 300
Bradenton, FL 34205
Ph: (941) 745-8300
Fx: (941) 745-2571

 
   
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Nicholas Zec, Jr., James E. Boyd, David Grantham, and Kristy Terenzio are Registered Representatives of LaSalle St. Securities LLC, a registered broker/dealer. Securities are offered through LaSalle St. Securities LLC, Member  FINRA/SIPC, 940 N. Industrial Drive, Elmhurst, IL 60126-1131. Boyd Insurance & Investment Services is not affiliated with LaSalle St. Securities LLC. Investing involves risks, including the risk of principal loss.