Howard-Jones Insurance Services Inc.

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Personal Insurance

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(Term, Joint, Multi-life and Tax-sheltered Universal Life)

hjinsuance.com

Life Insurance pays a benefit upon the death of the insured. There are 3 main types of life insurance: Term Life, Whole Life, and Universal Life. Each has its own strengths and special uses. Select a type of insurance below for more information.

Term Life Insurance is life insurance for a set period of time. If the insured dies during this period, the beneficiary receives a lump sum of tax-free money. Term Insurance is ideal for young families with a limited budget where as much insurance as possible is required to secure the family's well being, or in business situations such as buy-sell agreements, for mortgage coverage, or to fulfill other temporary needs.

Whole Life Insurance provides permanent coverage with level premiums and a guaranteed death benefit. It is perfect for people who think long term and wish to have a plan that is not subject to investment gains and losses. The policy also gains cash value over time, allowing for flexible cancellation options. Furthermore, though coverage is life-long, you do not have to pay premiums for life. You can purchase the insurance for a predefined number of payments.

Universal Life Insurance is permanent insurance with the added feature of having a tax-sheltered investment portion built into the plan. Universal Life pays off precisely at the moment when significant costs and tax implications are triggered. This timing, along with the tax-sheltered savings feature, makes Universal Life Insurance a powerful financial tool in estate preservation, leveraging, buy-sell agreements, charitable giving, and pension maximization. The tax-sheltered status of its investments component can also allow it to help pay for itself.

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