At World Class United, we can be your partner to provide objective, confidential advice to help you make the wisest decision with your resources at each step of your journey. Insurance planning is the cornerstone of a sound financial structure. This vital step prepares you and your family for an unexpected loss of income, such as death or disability. One of the biggest decisions you will make in your financial planning is the amount of insurance coverage you need. World Class United experienced agents are here to review your current coverage or evaluate new options. Whether you are considering life insurance, long term care, disability insurance, or another form of coverage, we can be your ally in planning to protect yourself, your family, and even using insurance in your estate and legacy planning.
Term Life Insurance
A Term Life Insurance policy covers the policyholder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. terms typically range from 10 to 30 years, providing level premiums that never change for that given term. Amongst the most popular life insurance products available, term life insurance policies tend to be more affordable. They typically provide an amount of coverage for much less than permanent types of life insurance. Our agents will help personalize a policy to fit your budget and your needs.
Permanent Life Insurance
Permanent Life Insurance refers to a variety of life insurance products intended to provide you and your loved ones with life-long protection. One of the most common types of permanent life insurance is one you've likely heard of: whole life insurance. But, there are several types of customizable permanent life insurance policies available. All of them are designed to cover you until you pass away. The same with any life insurance purchases, it is important to match the right type and amount of permanent life insurance coverage to your individual needs. We will review with you a few common types of permanent life insurance policies, and reasons people choose certain policies, over others. This is to help you make the most informed decision possible.
Guarentee Issue Whole Life Insurance
Guaranteed Issue Whole Life Insurance is a simple and affordable life insurance policy designed to cover expenses like medical bills, credit card debt or funeral costs, and can help protect your loved ones from future financial burdens. If you're age 50-85, Guaranteed Issue Whole Life Insurance, sometimes referred to as Guaranteed Acceptance Whole Life Insurance, you can't be turned down for health reasons, and you can receive permanent life insurance without having to qualify for coverage based on your health. The benefits from this guaranteed acceptance whole life insurance can lend a helping hand for your loved ones during a difficult time.
Life Insurance Retirement Plan
Life Insurance Retirement Plan is a life insurance strategy that mimics many of the tax-free characteristics of the Roth IRA. It works by purchasing a cash value life insurance policy that the owner then overfunds for a period of at least 10 years. The assets also grow tax-deferred in the life insurance policy and any residual benefit pays directly to a listed beneficiary tax-free or the policy owner. A Life Insurance Retirement Plan (LIRP) is a tax efficient way for individuals to supplement their retirement income by taking advantage of the tax treatment of a variety of life insurance products.
National Association of Retirement Services is a group of companies writing a broad array of retirement and insurance products and services. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies. Not all companies are licensed in all states. Not all products are available in all states. Terms, conditions and eligibility requirements will apply.