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LIFE INSURANCE

Is It Time To Think About Life Insurance?

While most people think of life insurance as a means to provide financial security for your beneficiaries, it can also be used to build cash to provide for a future event such as retirement, college tuition, or estate taxes. It can also be used to protect your business from the loss of a key employee or can help you retain a key employee for many years to come.

We offer a wide array of unique life insurance products, each designed to fit your particular need and situation. As one of the country's leading brokers, we work with many different insurance companies that offer a large selection of Term and Permanent products such as:

• 10, 15, 20, 25, and 30 year level term insurance is used for pure protection offering the most coverage for affordable premiums.
• Return of Premium Term, is used for death benefit protection, but gives back all the premiums paid into the policy at the end of your desired term.
• Guaranteed Universal Life combines life protection with cash value that accumulates tax-free as long as the policy is in force.
• Whole Life provides insurance protection at a level premium for your entire lifetime.

The types of life insurance policies available as well as mortality rates have changed dramatically. It makes sense to take a look at all of your policies to be sure that you are still being provided with proper
coverage that fits your needs.

Contact: Davis J. Rieman Jr., CFP 201-661-2347
drieman@capcoverage.com