LIFE INSURANCE
There are many benefits of having a life
insurance policy. The most important would
be protecting your loved ones from loss of
income and/or financial catastrophe in the
event of your death. A life insurance policy
serves as protection in the following ways:
Term Life Insurance
Life insurance policy effective for a length of
time that you choose. Usually has a lower
premium with a higher coverage amount. At
your policies expiration date you can renew
for another term but your rates will usually
increase. There is no cash value in this
type of policy.
Whole Life Insurance
Life insurance policy effective until you
cancel or upon your death. Usually has a
higher premium but the value increases with
time. Builds equity and has a cash value.
Click Here to get a quote for life insurance!
Put your loved ones future at ease!
There are many benefits of having a life
insurance policy. The most important would
be protecting your loved ones from loss of
income and/or financial catastrophe in the
event of your death. A life insurance policy
serves as protection in the following ways:
- Supplement or replace the loss of
income of your loved ones in the
event of your death. - Help pay for your final expenses such
as medical and burial expenses,
estate planning and administrative
costs. - Future plans like college and
retirement plans do not have to
change because of a financial crisis. - Give your loved ones a life free of
financial worries. - Savings account - some policies allow
you to build cash value that can be
withdrawn
Term Life Insurance
Life insurance policy effective for a length of
time that you choose. Usually has a lower
premium with a higher coverage amount. At
your policies expiration date you can renew
for another term but your rates will usually
increase. There is no cash value in this
type of policy.
Whole Life Insurance
Life insurance policy effective until you
cancel or upon your death. Usually has a
higher premium but the value increases with
time. Builds equity and has a cash value.
Click Here to get a quote for life insurance!
Put your loved ones future at ease!
ANNUITIES
Annuities are a contract between you
and an insurance company of your
choice. You can make either a one
time lump-sum payment or a series of
payments; the insurance company
agrees to make periodic payments to
you beginning immediately or at a
future date.
You can opt to receive your payments
for a number of set years, or for the
rest of your life.
The three basic types of annuities are
Fixed Annuity
Compares to a CD investment. The
insurance company pays a guaranteed
rate of interest while your account is
growing.
Indexed Annuity
Your return is based on index changes,
however, the insurance company
agrees that the value will never go
below an agreed amount regardless of
the index value.
Variable Annuity
An insurance contract in which, at the
end of the accumulation stage, the
insurance company guarantees a
minimum payment. The remaining
income payments can vary depending
on the performance of the managed
portfolio.
It is important to talk to a qualified agent
before making your annuity purchase.
Call our office at 314-638-5020 or Click
Here for a quote form and an agent will
contact you!
Annuities are a contract between you
and an insurance company of your
choice. You can make either a one
time lump-sum payment or a series of
payments; the insurance company
agrees to make periodic payments to
you beginning immediately or at a
future date.
You can opt to receive your payments
for a number of set years, or for the
rest of your life.
The three basic types of annuities are
Fixed Annuity
Compares to a CD investment. The
insurance company pays a guaranteed
rate of interest while your account is
growing.
Indexed Annuity
Your return is based on index changes,
however, the insurance company
agrees that the value will never go
below an agreed amount regardless of
the index value.
Variable Annuity
An insurance contract in which, at the
end of the accumulation stage, the
insurance company guarantees a
minimum payment. The remaining
income payments can vary depending
on the performance of the managed
portfolio.
It is important to talk to a qualified agent
before making your annuity purchase.
Call our office at 314-638-5020 or Click
Here for a quote form and an agent will
contact you!
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762 Lemay Ferry
St. Louis, Missouri 63125
314-638-5020 Office
314-638-7731 Fax
info@parkerinsurancegroup.com
St. Louis, Missouri 63125
314-638-5020 Office
314-638-7731 Fax
info@parkerinsurancegroup.com
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| Large enough to serve you, Small enough to care! |