LIFE
Choosing the best life insurance option can be challenging. HFI Benefits Group – Ohio Agency experts bring relative and bold thinking to help you stay on top of regulations and economic trends and focus on your first priority in securing and protecting your family’s future.
Whole/Permanent Life
Whole/Permanent Life
Universal Life Insurance
Universal Life Insurance
Term Life Insurance
Term Life Insurance
Or do you already know what you are looking for and don’t require custom help?
Understanding Your Options In Life!
Life is precious and unpredictable, so make sure you are prepared before it’s too late. Whether we want to or not, we all have to think about death at some point in life and to take care of those we love in the unfortunate event that something were to happen, you can plan for all possibilities ahead of time so that nothing falls through the cracks when it counts most.
Whole Permanent Life
Plan for the unexpected so your family can be cared for.
In life, there is no such thing as certainty. You may not know what’s going to happen next week or even tomorrow, but if we do have one thing in common with one another, it’s the fact that we want our families to be taken care of should something untoward happen. Insurance is the best way to safeguard against those uncertain futures by recognizing them before they occur.
Whole life insurance also provides coverage for your entire life, but unlike term life insurance, they build equity and have cash value as well. The higher premiums are offset by the long-term savings that whole life plans can provide you.
Whole Permanent Life Policies are a wonderful investment:
- To protect you and your family in the long run.
- To provide peace of mind if you pass
- To pay off any outstanding debts.
- You intend to start a family.
- To contribute towards inheritance tax.
- You have a high-risk job.
Universal Life Insurance
Choose a cost effective investment that suits your needs!
Universal Life Insurance is a flexible, permanent life insurance policy with an adjustable premium and adjustable death benefit. All of this means you can tailor the amount of money your family receives to suit their needs. Universal life also has flexibility that lets you allocate funds at any time to increase cash value or reduce cost.
It combines the features of a cost-effective permanent life insurance policy with the potential for investment returns. Universal life allows you to choose an investment allocation that suits your needs and risk tolerance. And, if you don’t like your current investment allocation, you can change it as often as you want.
Indexed Universal Life:
Indexed Whole Life:
A unique blend of an IUL and Whole Life. You will have the stability of cash value growth in like a WL product and also have the ability for large cash value growth for retiremnet like an IUL product. These really are the best of both worlds!
Basic Universal Life:
Often an employer-paid coverage option offered for a set period of time and provides your beneficiaries with crucial financial protection.
Term Life Insurance
Protect and focus on what's most important in life.
Term life insurance is one of the greatest gifts you can give your family. It protects them against financial loss, allowing for long overdue dreams to be realized, and gives them the ability to keep a home and provide stability for generations to come. The right coverage option allows you to focus on what’s most important in life—the people you love.
Term Life Insurance helps you protect your family’s financial future. It can be purchased at any time, and will help you overcome unexpected events in your life and give you peace of mind. It is also a cost-effective way to ensure that your family is covered at a premium rate that it’s reasonable to your budget.
For more information on the best plan for you and your family, contact HFI Benefits Group directly, and we will be happy to set an appointment to explain what options are available in planning for the future.
Basic Term Life:
Often an employer-paid coverage option. It is offered to provide your beneficiaries with crucial financial protection and commonly ends at the end of employment.
Supplemental Term Life:
An employee-paid coverage option that allows you to purchase additional protection as your needs change over time. Dependent, spouse, or domestic partner coverage may also be available.
Dependent Term Life:
This option provides coverage for your spouse, civil union partner, domestic partner, and eligible children.
