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Best Life Insurance Houston Agency offers the best Houston TX guaranteed universal life insurance for seniors. Many seniors are afraid to apply for life insurance because they can’t afford it. However, we have offers of life insurance that are affordable with the best product and services.
Each of our life insurance policies has great death benefits. We have all types of life insurance that offer the best amount of coverage. We want to provide our clients with the best life insurance that will help them in the future.
You can visit our website to read over the products and services we provide. You can give one of our agency agents a call to set up an appointment and better understand life insurance.
Houston TX Guaranteed Universal Life Insurance For Seniors
Best Life Insurance Houston Agency offers permanent life insurance, term life insurance, and guaranteed issue whole life insurance. However, for seniors, we want to provide life insurance that can be beneficial to their needs.
As stated before, life insurance can be expensive, and not many will approve of seniors because they are over the age limit. Guaranteed life insurance is true to its name in that acceptance is guaranteed, which is best for seniors.
No matter your current situation, we can help you apply for the best-guaranteed life insurance. However, you can get better rates and coverage with an examination, and no medical examination is needed.
Guaranteed life insurance will be on the pricey side because of the nature of the acceptance rate. This type of coverage is not a policy we would highly recommend. However, it can still be a benefit to a certain degree.
This life insurance option is more tailored to patients who have a terminal illness or is close to death. It is more considered as a last resort for a customer who needs life insurance right away. This policy offers smaller payouts on death benefits than any other life insurance. In other words, this policy is meant to pay for final expenses such as funeral and burial costs.
Index Universal Life Insurance
We do offer a policy that gives you a tax advantage and a higher cash build-up. Similarly, it can give you the same perks as Wole Life Insurance, but it is not the same. Both of the policies can accumulate a cash saving component alongside the death benefits.
However, it is thought that whole life insurance will be a safer option. The reason is due to the level of risk involved with Index Universal Life Insurance. Houston TX guaranteed universal life insurance for seniors has no fixed interest rate, and there are no guarantees on market returns.
The rate is usually picked up by the insurer based on the market index. Your premiums may also flux due over time due to this. Indexed Universal Life Insurance also comes with fees and other types of costs attached to the policy. Here are a few perks to the policy.
This policy has the best potential to making you money, and it is a tax-free payout you will eventually receive. In other words, you do not have to pay taxes when you withdraw from your savings. You do not have to worry about your cash value shrinking if you accept social security benefits. You can call our financial professionals to learn more about this policy.
Term Life Insurance
Houston TX guaranteed universal life insurance for seniors may not be suitable for seniors. There is another policy that can benefit their needs. Term Life Insurance is a policy that lets you decided how long your want your policy to last.
This policy will be helpful to seniors because not many of them know how long they have left, and some may be too sick to continue. This policy can last up to ten, fifteen, and thirty years. It is up to see which one is right for you.
The ten-year plan is usually convenient to customers with short-term loans, families with teens, and terminally ill patients. This plan can be beneficial to seniors to leave some funds behind for their housing and family.
The fifteen-year plan is excellent for families with middle-schoolers, those nearing retirement, and small business owners. Therefore, this policy is helpful for seniors who are settling to retire and want to have extra funds in their accounts and their retirement plan.
Lastly, the thirty-year plan is tailored to young families, new homeowners, and those with long-term loans. This policy is not recommended for seniors. In addition, the family who has a newborn would want to start early on deciding what is best for their child’s future.
We have an insurance policy that is right for you. All you have to do is call a life insurance agent and provide them your family goals and financial obligations. We will shorten the list until there is a policy that you believe will be great for you.
Get Your Quote Today!
Best Life Insurance Houston Agency wants to provide its customers with the best customer service. Breaking down each life insurance policy and the benefits they provide.
We want to assure you of the best policy that is worth paying for the benefits. You can count on the agents to work with you. Our agents recommend figuring out on your own which personalized life insurance you may think is right for you.
We will then work hard to give you the best price. That is why we are here to help you put your mind at ease. Especially for seniors when we know they have a short life expand.
Leaving your families to continue to stand on their own feet with a strong mindset. We understand researching life insurance can be a hassle. Therefore, we are here to serve you and provide the best service.
Let us guide you in the right direction to the most outstanding coverage. We are a phone call or a visit away. We know we have the best Houston TX guaranteed universal life insurance for seniors available to you.
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- The Houston Astros won the World Series in 2017.
- Houston is the 4th largest city in the nation.
- The Houston Rodeo is the largest rodeo event in the nation.
- Selena Quintanilla was the first artist to break the world record for a sold-out concert at the Houston Rodeo.
- Check out the official website to learn more.