Choosing the right type of life insurance plan depends on your needs today as well as in the future. Your primary concerns today might be to protect your family’s home and lifestyle in the event of your death. You may be focused on providing a fund to guarantee your children’s college education, or starting to build a nest egg for your retirement. At The Naurath Agency we are qualified to help you identify your needs and guide you through the variety of life insurance plans and products that we offer.
Term Life Insurance is generally inexpensive and covers the insured for a specific period of time such as 10, 15, 20, or 30 years. Benefits of term life insurance include guaranteed death benefit, debt protection, funds for survivor’s needs and easy conversion to permanent life coverage.
Whole Life Insurance is permanent coverage that lasts for your entire life. Whole Life provides a guaranteed death benefit and builds cash value that is available during your lifetime. Benefits of Whole Life include wealth accumulation and cash value available for life’s needs.
Family Universal Life Insurance is permanent coverage that is flexible. You can adjust your premium and death benefit at any time. Benefits of Universal Life include rate sensitive cash accumulation, flexibility and affordability.
Disability Income Protection gives you the ability to protect your most valuable asset – YOU and your ability to earn an income.
Annuities are contracts that allow the owner to accumulate funds on a tax-deferred basis and take distributions when desired, often during retirement years.