Life Insurance

Insurance Categories

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Personal Cover

There are many good reasons to have life insurance for your family if you or your spouse passed away early. Most of the people we see have a family and debt of some sort so life cover is very important, but even if you have life cover in place there are some key points to be aware of about how it works.
Do you know the answers to these questions?

  • Who is the policy owner of your life insurance?
  • When does your life cover expire? (some expire at age 65)
  • Does your life cover go up in price each year?
  • Does your life cover pay a lump sum or a monthly ongoing payment?

If you would like to know the answers to these questions or are worried about the increasing price of cover as you get older please call Reagan so he can make sure your cover is set up correctly for you.

Business Cover

Life Insurance is very important in business also because so often we have a partnership and no agreement between them if one passes away. Having the correct agreement in place with the correct amount of life cover can save a business if one of the partners dies. Here are a few key points.

  • You need a shareholders protection agreement
  • You need life cover to buy out the partners family if he/she passes away
  • Policy ownership is important to get right
  • The correct value of the business needs to be established
  • Ongoing values need to be monitored and life cover altered to match
  • Being able to increase the life cover without more underwriting can be very helpful

There are a lot more points to be aware of and each business is different with a wide range of situations to be aware of. Please call Reagan to discuss your business situation.
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