Forever Legacy Financial

LIFE INSURANCE CAN BE YOUR LEGACY

You can’t predict when things will go wrong in life; however, you can always predict that we have the insurance coverage you need to ensure all you have is protected if anything unfortunate happens. Life insurance is an utterly essential part of financial and legacy planning. Life insurance can help cover your final expenses and provide your family with a financial safety net by enabling you to replace your income or serve as an inheritance for a loved one. Read on to learn about how life insurance benefits may be used.

We guarantee you premium coverage in the two main categories: term life and permanent life (also commonly referred to as whole life). Whether you decide to go with term life insurance or permanent life insurance, we can help you make coverage decisions according to your needs and goals.

You Can Protect Your Child's Future With an IUL

Child life insurance policies can accumulate cash value over time and be used for future expenses such as college tuition or a down payment on a home.

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It's important to leave behind a legacy of knowledge and faith.

PROTECT YOUR FAMILY FROM
FINANCIAL DISTRESS

Life insurance is essential for everyone. If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen – do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden.

At Forever Legacy Financial, we have the required industry experience to provide you the best comprehensive life plan to secure your legacy and your family’s future.

Dedication. Expertise. Passion.

What Type Of Insurance Policy Do You Have?

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WHOLE LIFE INSURANCE

Whole life insurance policies provide permanent life insurance and typically offer fixed premiums, fixed death benefits and a cash value savings component. With all of the significant financial pressures that Americans face today, some are quick to discard life insurance as a viable and necessary financial tool.

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HEALTH INSURANCE

Health insurance is essential for getting timely medical care and greater quality of life. Studies have repeatedly shown how uninsured victims of accidents often get less quality, and less timely medical treatment. The extra or additional insurance that can be used to help people pay for services and out-of-pocket expenses not covered by regular insurance is known as medicare supplement insurance or medicare advantage.

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INDEXED UNIVERSAL LIFE

Indexed universal life insurance is a type of universal life insurance, meaning it is a permanent insurance intended to last your entire lifetime. This policy has two components: a death benefit and a cash value. The indexed universal life insurance that you’ll qualify for will depend on several factors, including your desired coverage amount, type of policy and various personal attributes.

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RETIREMENT PLANNING

As you prepare for retirement, you might find yourself focusing on reaching a particular savings goal. Perhaps you set this goal years ago, when you first began saving for your future, or maybe you landed upon a target number more recently. In either case, your top priority is making sure that you can afford your standard of living in retirement, in addition to travel or any other hobbies that you might pursue.

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TERM LIFE INSURANCE

Term life insurance is one of the most popular life policies. It lasts for a fixed period and is paid only if death occurs during the policy’s duration. This kind of life insurance is inexpensive, especially when purchased at a younger age. In addition, this policy can later be converted into a more permanent plan without additional health exams.

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BURIAL INSURANCE

Burial insurance, also known as funeral or final expense insurance, is a type of whole life insurance policy designed to cover your funeral, burial, and other end-of-life expenses. Given the high cost of funerals, having a burial insurance policy can help relieve any costs your loved ones face due to your passing.

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Life insurance is essential for everyone. If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen – do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden.

At Forever Legacy Financial, we have the required industry experience to provide you the best comprehensive life plan to secure your legacy and your family’s future.