SEA SIDE RETIREMENT SERVICES Life insurance Guide

Our Life Insurance Experience of 35 Years

WE ARE HERE TO BE YOUR RESOURCE

Expert Advice: Offering personalized advice tailored to each client's unique financial situation and goals.
Policy Education: Helping clients understand the nuances of different types of life insurance policies, their benefits, and how they align with long-term financial plans.
Customized Solutions: Designing insurance plans that meet specific needs, whether it's protecting income, ensuring mortgage payments, or leaving a legacy for loved ones.

Whole Life Insurance

Coverage: Offers coverage for your entire life.
Premiums: Fixed premiums that typically do not increase with age.
Cash Value: Builds cash value over time that you can borrow against or withdraw.
Payout: Pays a death benefit whenever you die, not just within a specific term.
Features: Provides lifelong coverage with a savings component.

Term Life Insurance

Coverage: Provides coverage for a specific period (term), such as 10, 20, or 30 years.
Premiums: Generally lower compared to permanent life insurance.
Payout: Pays a death benefit if the insured dies during the term.
Features: Simple and affordable, ideal for covering specific financial obligations like mortgages or education expenses.

Universal Life Insurace

Coverage: Flexible coverage with adjustable premiums and death benefits.
Premiums: Premiums can be adjusted over time, and excess payments can accumulate as cash value.
Cash Value: Builds cash value that earns interest over time, based on market rates.
Payout: Pays a death benefit to beneficiaries.
Features: Offers flexibility in premium payments and death benefits.

Variable Life Insurance

Coverage: Combines death benefits with a savings component that can be invested in various accounts (e.g., stocks, bonds).
Premiums: Fixed premiums that may be higher than other types of life insurance.
Cash Value: Cash value can fluctuate based on the performance of the underlying investment accounts.
Payout: Pays a death benefit to beneficiaries.
Features: Offers potential for cash value growth based on investment performance.

Variable Universal Life Insurance

Coverage: Provides flexibility in premium payments and death benefits, similar to universal life insurance.
Premiums: Allows for premium adjustments and cash value accumulation.
Cash Value: Invests cash value in various accounts, providing potential for growth based on market performance.
Payout: Pays a death benefit to beneficiaries.
Features: Combines features of both universal and variable life insurance, offering flexibility and investment opportunities.

This website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, Medicare Part C, and Medicare Part D. Your request for information will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third-party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on the cost and coverage of this insurance.

This is a solicitation for insurance

We, and the licensed agents that may call you, are not connected with nor endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. For a complete listing please contact 1 (800) MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048, 24 hours a day/ 7 days a week, or your local State Health Insurance Program (SHIP) consult www.medicare.gov.