Life Insurance – Security that Matters
Don’t let the complexity of life insurance keep you from securing your loved ones future. We can help you understand the insurance lingo and create a policy that offers the security you and your family need.
Things to consider when looking for life insurance:
Peace of Mind For You & Your Loved Ones
Understanding Life Insurance Policies
Life Insurance at Cornerstone
We can help you find a comprehensive life insurance policy that gives you peace of mind! Contact our agents today!
Term Life Insurance provides a death benefit for a period of time, usually ranging from 1 to 30 years. Your beneficiary receives the face amount of the policy if you were to pass away during the coverage period. Term life can be a valuable tool for individuals seeking affordable coverage to meet specific financial needs during a defined period.
Whole life insurance combines guaranteed lifetime coverage with the gradual accumulation of cash value . Premiums remain consistent throughout the policy, building both a death benefit for beneficiaries and a savings component accessible through policy loans or withdrawals. This makes it a versatile option for individuals seeking long-term financial protection and wealth accumulation alongside life insurance benefits.
Universal life insurance blends flexible premium payments and adjustable death benefits with the gradual buildup of tax-deferred cash value . Premiums cover insurance costs and contribute to cash value, allowing policyholders to tailor coverage and potential wealth accumulation to evolving needs.
Variable life insurance combines death benefit protection with investment-linked cash value growth , offering potential for higher returns but also exposure to market fluctuations. Policyholders direct premium allocations to various investment sub-accounts, influencing cash value accumulation and potential risk-reward profiles.