Safeguarding your assets is essential to everyone. With dozens of carriers offering a variety of plans, with a multitude of options, how do you know where to start?

The first step is to contact the experts at Life & Health Underwriters. Your consultant will guide you through the selection process starting with a review of the types of plans:

• Term Life Insurance provides cost-effective coverage for a specific length of time. Benefits are paid only if you die during that term. Some plans have premiums that remain constant.
• Whole Life Insurance has several advantages. The coverage is for life, premiums usually stay the same, your beneficiary receives a non-taxable payment, plus the cash value is income tax-deferred.
• Universal Life Insurance offers the protection of term life insurance with the added advantages of cash value and cash accumulation. This plan also has tax advantages and flexible premiums.

GET AN INDIVIDUAL TERM LIFE INSURANCE QUOTE - Exam Required

Term life insurance provides coverage for a specified period of time, which usually ranges from 10-30 years depending on your need for coverage. Term Life offers a face amounts ranging from $100,000 to $9,000,000.

Our AccuTerm Quoting System gathers the most important risk factors as shown on the initial quote page and uses a sophisticated algorithm to determine the correct health class for you. Therefore, your online life insurance quote generated by our system is much more accurate than most other online quoting systems.

Please note:  If you just ask for a quote and do not select a plan to apply for, we will not follow-up unless you indicate otherwise in the comments section.

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Another way to safeguard your assets is with disability coverage. Many people don't think about disability insurance, especially when they're healthy. But should you face illness or injury that results in a temporary or permanent loss of work, how would you pay your bills? The reality could be financially stressful, if not disastrous—unless you plan head with a disability policy. Instead of worrying, you can focus on the most important issue—getting well.

Whether you have life and disability coverage through your employer and want to supplement it or if you have none, let us know. We will review the available plans and evaluate them in terms of the most comprehensive coverage at the most competitive rates.

Call (206) 728-1314 or send e-mail to info@lhui.com.

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