Life insurance is absolutely detrimental to planning for your future and the future of those you love. Life insurance guarantees the protection of your family regardless what happens.
Responsible adults don’t leave their loved ones' future to chance. Asher Macrae will help you find the best Las Vegas life insurance policy for you, and we'll ensure that your policy continues to meet your needs over time.
For each of our friends in Nevada, the appropriate life insurance is unique and depends on your personal and financial situation. As life changes, your life insurance policy may need to change with it. For example, life changes that may require another look at your policy include:
Asher Macrae will help you find the best life insurance policy for your situation. There are many different types of life insurance policies to choose from – here are a few of the most common:
Term life insurance protects for a specific period of time. If you don't have life insurance now, term life insurance can be a great place to start. It’s usually more affordable than permanent (whole life) insurance, and it is available for specifie time periods with fixed premiums from a year (annual renewable term) to 30-year (level term) periods.
In addition, term life insurance policies are sometimes convertible to permanent coverage, which provides you with flexibility in the future as your life changes.
Whole life insurance is a type of permanent life insurance that stays active your entire life, assuming premiums are paid as specified in the policy. Whole life insurance is an investment opportunity, since many whole life insurance policies build cash value over time.
Universal life insurance is a form of permanent coverage with flexible premiums, face amounts and pricing structure. Universal life policies can build cash value earning interest that may adjust periodically, but is typically guaranteed to stay above a specified percent.
What life insurance policy is right for you and your loved ones? Talk with our team at Asher Macrae. We will identify the best policy and life insurance carriers for you.
The right life insurance is necessary for planning for your financial future. Life insurance provides support for your family after you are gone and many life insurance options include other benefits and investment options you can benefit from while you're still alive.
Life Insurance Death Benefit - When you die, your life insurance provides tax-free income to your named beneficiaries that can be used to cover funeral expenses, debt, tuition, estate taxes, or practically any other financial need. Your life insurance policy also provides security for your business, by allowing partners to purchase the interests of a deceased partner and prevent a forced liquidation.
Living Benefits - The cash value growth of a permanent (whole) life insurance policy is tax-deferred. This means you pay no taxes on the cash value growth, unless that money is withdrawn. Withdrawals can be taken against the cash value to cover expenses during your life, such as college tuition or a home down-payment.
The best life insurance for every one of our customers in Nevada is different. Speak with the Asher Macrae team now to figure out how to protect your family and your future with the best life insurance.