Life Insurance2018-09-30T15:23:08+00:00

LIFE INSURANCE

PROTECTION FOR YOUR FAMILY AND LOVED ONES

Considering Life Insurance?

Protecting the financial future of your family and loved ones is the main reason many people consider the benefits of life insurance to be a worthwhile investment in peace of mind. Rest easy knowing your loved ones are protected no matter what the future holds.

Which Type of Life Insurance is Right For you? We have answers.

What is Term Life Insurance?2018-09-15T23:01:25+00:00

Term Life insurance is life insurance that you pay for during a specified length of time or term – generally one to 30 years. You select the amount of the death benefit or face amount to meet your needs.

Premiums, or payments, which can be the same amount or increase with time, must be made monthly, quarterly, semi-annually, or annually. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries. Term insurance policies do not accumulate cash value and therefore usually offer lower premiums than other life insurance products with the same face value.

What is Universal Life Insurance?2018-09-15T23:01:32+00:00

Universal Life is permanent insurance that has the potential to accumulate cash value. However, it offers additional features and options. For example, you can increase or decrease your policy’s face amount to accommodate your changing protection needs. You can also increase or decrease the dollar amount of your premium payments and make additional lump sum payments to your policy. Since a Universal Life policy accrues cash value, you can borrow against this cash value for any purpose.

You have the option to skip premium payments if your account has accrued sufficient value because the premiums will be taken from the accrued value. A Universal Life policy also has the potential to earn a higher rate of return than a whole life policy, although there is a risk that your rate of return could drop.

What is Whole Life Insurance?2018-09-15T23:01:37+00:00

Whole Life Insurance is life insurance that you own for your entire lifetime. The amount of the death benefit or face amount can be selected to meet your needs.

Premiums, or payments, are fixed and can be paid monthly, quarterly, semi-annually, or annually. As more premiums are paid, your policy accumulates a cash value that grows on a tax deferred basis. In essence, whole life is like buying a house versus renting it. The monthly cost is higher than it would be for a term life policy, but with each payment you make you gain equity. You can borrow against a Whole Life policy for any purpose. Loans, however, require you to pay interest and any borrowed amount you do not pay back is deducted from the payout to your beneficiary at the time of your death.

What is Final Expense Insurance?2018-09-15T23:01:42+00:00

Your family means the world to you. The last thing you want is to leave them with major expenses after you’re gone. Final Expense insurance is life insurance that helps provide the money they may need to pay medical bills, funeral expenses, legal fees or unpaid bills. It is an insurance policy that lets you decide how your assets are distributed. By planning ahead, you can help protect your loved ones from unnecessary financial stress when you die. And, you can distribute your assets in the manner you decide!

What fees do you charge?2018-09-23T17:40:51+00:00

None! Since insurance prices are regulated, there is no difference between buying your policy online or direct, or going through us. You pay the same rate per month. The only difference is that our years of experience help you obtain the best coverage for your individual or family needs — and our advice and counsel is free. Call us or book an appointment online and see for yourself.

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Life Insurance = Peace of Mind Insurance

Happy family with life insurance

Why You Need Life Insurance

The right size of life insurance policy is a thoughtful blend of coverage to provide financial resources that cover any or all of the following:

  • Final expenses and funeral costs
  • Childrens’ education funds
  • Spousal income replacement
  • Debt relief

Life insurance is the kind of support your family needs — at a time when they need it most.

We can help you navigate the difficult decisions involved in crafting a life insurance policy that fits your unique situation. Just give us a call or schedule an appointment online today.

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The Role of Final Expenses Insurance

Burial insurance or final expense insurance is a basic life insurance policy that covers people until they reach age 100. It is an easy insurance policy to obtain. Depending on the policy, burial insurance or final expense insurance gives your family the ability to cover the expenses of a funeral and potentially other outstanding expenses.

Besides protection that a final expense insurance policy offers, its premiums never change and the coverage is permanent. It can be a wise investment for your future.

We can help you select the plan that is right for you.

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Final expenses insurance
Final expenses insurance

The Role of Final Expenses Insurance

Burial insurance or final expense insurance is a basic life insurance policy that covers people until they reach age 100. It is an easy insurance policy to obtain. Depending on the policy, burial insurance or final expense insurance gives your family the ability to cover the expenses of a funeral and potentially other outstanding expenses.

Besides protection that a final expense insurance policy offers, its premiums never change and the coverage is permanent. It can be a wise investment for your future.

We can help you select the plan that is right for you.

Contact Us

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Testimonials

Claire Reinelt

“What a joy to work with Tina. She volunteers to help people sign up for Oregon’s Health Plan. She was so gracious and helpful, and made what could have been a stressful process so easy. We are so grateful for her support and would highly recommend her to others.”

Vickie Pham

“Ms. VanPhung is very welcoming, knowledgeable, and supportive in finding the best-suited insurance coverage for your needs! She takes the time to answer all of your questions and address any concerns you may have. Highly recommended!”

Christopher Coleman

“We wouldn’t have health insurance right now if it wasn’t for Tina’s help. She was prompt, professional, knowledgeable and helped us stay coordinated with our needed activities. Thanks so much Tina!”

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