Life and Disability Insurance

 

 

[Group Benefits]       [ Individual Products]       [ Life and Disability Insurance]

 

 

  • Term Life
  • Whole Life
  • Universal Life
  • Disability
Family in their yardFor young families who are searching for protection against life's unforeseen catastrophes, Term Life can be the answer. With very affordable premiums, Term Life can provide the maximum amount of protection for the least amount of cost. Available from $50,000 to $15,000,000, Term Life insurance can provide the peace of mind that your loved ones will not have to worry about finances in the event of your untimely passing. We represent only top rated carriers to assure that you and your family can count on the benefits that you need.

Holding handsWe recommend Whole Life policies for those individuals who want protection with asset accumulation and favorable tax treatment upon distribution of the growth. Whole Life insurance is a very useful financial planning tool that also provides the protection a family needs due to the death of the primary provider of the family. Whole Life policies pay dividends on the amount accrued from premium payments. A safer vehicle for your investments, typically dividends are fixed for the duration of the policy. These policies also provide flexibility in distribution, allowing you to have the necessary funds needed for your retirement years, in addition to protecting your family against an unexpected loss.

Life insurance paperworkA Universal Life policy can accomplish many things for the policyholder. Originally designed to allow the insured to participate in market interest fluctuations, Universal Life policies have become creative in allowing the investor to participate in the stock market and mutual funds as well as interest markets. A key component to Universal Life policies is the strength of the company that stands behind the policy.  At National Benefit Advisors we only sell policies that are issued by the highest rated companies for financial strength.

Empty wheelchairIndividual disability policies are protection for both short and long terms of disability. For those with an active lifestyle, a broken bone can keep you from being gainfully employed for several months. For as little as $25 per month, a disability policy can help to offset the effects of such unforeseen accidents. For those disabilities that are longer in duration, a long-term disability policy is feasible. Though the cost is usually higher than a short-term policy, long-term policies provide the peace of mind we so much desire when thinking of caring for our families.