We at TSI can help you protect what matters most. Utilizing life insurance to accomplish this offers peace of mind for you and your loved ones. In addition to a death benefit, life insurance can offer many living benefits as well. Lifetime income, Long term care, tax deferral, business planning and retirement planning are just a few of the many options life insurance products can provide. Life insurance is based on your needs and goals. Below are some of the many life insurance options TSI can provide:
These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.
These policies are ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits. These policies can be on a guaranteed chassis with little to no cash accumulation or a current assumption with a shorter guarantee period with some upside for cash accumulation
May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income, college education funding, etc. Indexed UL contracts range from longer guarantees with lower cash accumulation up to shorter guarantee period with more upside cash value potential.
This policy design is for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested. Traditionally, VUL products have a certain short term guaranteed death benefit. The policy performance is tied to the performance of the sub accounts. VUL contracts offer a bit more upside potential in cash accumulation than other permanent product, but also may have more management expenses because of the separate sub accounts that you choose.
Term Insurance is one of the most affordable and easy ways to protect your financial security. In the event of a death, it replaces income and assets that your family or dependents can rely on. Term insurance is considerably more affordable than permanent or whole life policies. You only buy what you need and for a fixed period of time.
Term Life Insurance policies can be bought for 5, 10, 15, 20 or 30 years. In the event that something would happen to you while the policy is in force, your chosen beneficiaries will receive a death benefit in the amount of the policy. If premiums for the policy are paid with after tax monies, the death benefit would be paid to your beneficiaries tax-free.
Life insurance is a product that you never need until the unexpected takes place. To make sure your family is taken care of the event of a tragic loss, click below to get a free term life insurance quote today.
While there are two main types of long-term care insurance: traditional and asset-based policies, TSI tends to appreciate asset-based policies as they are feature rich and can accomplish many tasks in addition to long-term care needs. Asset based long-term care plans, also called hybrid policies, are built around life insurance combined with long-term care benefits. These policies not only offer long term care benefits, they could be utilized for a tax-free death benefit or surrendered for full return of premium if no longer needed.