Life Insurance
Innovative Solutions & Dedicated Support
Elevate your practice and experience the advantage of working with a Brokerage General Agency that prioritizes your success in the evolving insurance landscape. Plus Financial Network offers a wide breadth of life insurance products, expertise in impaired risk underwriting, and access to top-level contracts. Our team works closely with you to develop various insurance strategies, whether it's basic term insurance for family protection, comprehensive business insurance, or elaborate estate plans. Our specialty lies in identifying solutions that align with your clients’ needs through every stage of life, ensuring families and businesses alike have coverage that remains relevant and effective. Partner with Plus Financial Network for dedicated support, innovative products, and access to top-rated & nationally recognized insurance carriers.
Term Life Insurance:
Our Term Life Insurance options provide flexible and affordable solutions that extend beyond traditional death benefits. With customizable riders, clients can tailor coverage to address various life situations and take advantage of convertible features, allowing them to adapt their policy as needs evolve.
Convertible Features:
- Flexibility: Term life policies come with convertible features, enabling clients to convert their policy to a permanent one without the need for a new medical exam. This feature provides adaptability as their health/circumstances change.
Rider Options:
- Waiver of Premium (WoP): Protect against disability with waived premium payments during the disability period.
- Return of Premium (ROP): Consider for clients seeking a return of premiums paid if they outlive the term without making a claim.
- Critical Illness/LTC Riders: Enhance coverage for critical illnesses or long-term care needs, providing a broader safety net.
Choose term life insurance with these customizable features and riders for a comprehensive and adaptable solution that goes beyond traditional death benefits. This flexibility ensures clients receive tailored coverage that aligns with their unique needs.
Universal Life Insurance:
Universal Life insurance allows clients to customize premiums and coverage, providing the adaptability to match changing circumstances. With the potential to accumulate cash value over time and the assurance of death benefit guarantees, this option offers a comprehensive and secure financial solution.
- Flexibility: Tailor premiums and coverage to evolving financial needs.
- Cash Value Accumulation: Build potential funds over time for future use.
- Death Benefit Guarantees: Ensure a guaranteed death benefit for financial security.
For those seeking market-linked growth and tax-advantaged products, our Indexed Universal Life insurance is a dynamic choice. Linked to a financial index, such as the S&P 500, this option provides the potential for market-driven growth with downside protection. With a focus on tax efficiency, clients can enjoy the benefits of market gains while securing a flexible and customizable financial plan.
- Market-Linked Growth: Link policy performance to a financial index for potential market gains.
- Downside Protection: Safeguard against market losses while participating in growth.
- Tax-Advantaged Growth: Leverage tax benefits for potential cash value growth.
Whether clients prioritize death benefit guarantees or tax-advantaged growth with market-driven potential, our Universal Life Insurance options offer versatile solutions tailored to individual financial goals.
Whole Life Insurance:
Our Whole Life Insurance solutions offer more than just a lifetime of coverage; they serve as a dependable financial anchor for individuals and families. This is an ideal choice for those seeking lasting protection and a stable foundation for long-term financial planning. With guaranteed benefits and the potential for cash value growth, this option provides reliable and secure protection for loved ones throughout the policyholder's lifetime.
- Lifetime Coverage: Enjoy coverage for the entirety of the policyholder's life, offering peace of mind.
- Guaranteed Death Benefit: Ensure financial security with a guaranteed payout to beneficiaries.
- Cash Value Accumulation: Build cash value over time, serving as a potential financial resource.
Explore our Whole Life Insurance options today to secure lifelong coverage and build a lasting legacy for your clients.
Variable Life Insurance:
Variable Life Insurance is suitable for clients who have a higher risk tolerance, a long-term investment horizon, and a desire to integrate life insurance with investment opportunities. This option provides a unique opportunity to participate in market gains while maintaining the protection of a life insurance policy. With Variable Life Insurance, policyholders have the flexibility to allocate premiums among a range of investment options, combining protection and growth for dynamic financial goals.
- Investment Flexibility: Tailor your financial strategy by allocating premiums to various investment options, providing potential for growth.
- Death Benefit Potential: The death benefit in Variable Life Insurance has the potential to increase based on the performance of the chosen investments, offering a dynamic approach to financial protection.
- Cash Value Opportunities: Accumulate cash value over time, offering a potential source of funds for various financial needs.
Ask about our Variable Life Insurance options today for protection and tax-efficient growth that can enhance your clients' financial portfolios.
*The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
