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Discover the advantages of insuring with Carlson Brokerage Services LLC. Learn more.

To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder's death.

 A life insurance policy provides you and your family with peace of mind. After all, it's nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.

Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.

When you buy life insurance, you want a policy which fits your needs without costing too much. Your first step is to decide how much you need, how much you can afford to pay and the kind of policy you want. Then, find out what various companies charge for that kind of policy. If you compare Surrender Cost Indexes and Net Payment Cost Indexes of similar competing policies, your chances of finding a relatively good buy will be better than if you do not shop.

Three Basic Kinds of Life
Insurance

Regardless of how fancy the policy title or sales
presentation might appear, all life insurance policies contain benefits derived
from one or more of the three basic kinds shown below. Some policies due combine
more than one kind of life insurance and can be confusing.

• Term Life
  Insurance

• Endowment Life Insurance
• Whole Life Insurance
  (universal & variable life)

   

Rates and coverage vary form state to state. Please give our office a call we will be happy to sit down and talk to you in order to make sure you get a plan that's right for
you. It's amazing how much rates may vary from company to company for the same
coverage. For more information and rates on life insurance please give our office a call, or contact us.

Types of life insurance products:

• Permanent life insurance, including:
• Whole life, universal life, limited pay, and endowment
• Temporary life insurance (Term)
• Variable life insurance