Life Insurance
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Risk Resource specializes in the full gamut of life insurance products. With over 40 years of experience and licensed in most states, we represent 100+ insurance companies allowing us to select the most competitive rates from the highest rated insurance carriers in the industry. Our capacity and wherewithal makes us uniquely qualified to handle the insurance requirements of individuals, families, and businesses alike.
Understanding your options and deciding on a plan that is best for you and your family is no easy task. We believe that the process becomes more meaningful and insightful when working directly with real, genuine experts over the phone or in person. At Risk Resource, not only do we want to help you find the right life insurance product, but we want to be there to answer your questions and provide continual service through the duration of your policy.
How We Operate
Our focused approach begins with getting to know you and understanding your needs. Once the goals and objectives are established, our team will simplify the process of securing your coverage as efficiently and timely as possible.
Our specialties include everything from basic term coverage to sophisticated cash value and guaranteed death benefit life insurance policies. For a term quote, click on ‘Get Free Quote’ and one of our associates will contact you within one business day to discuss your options.
Since cash value life insurance can be an integral part of your financial plan, especially when wealth accumulation is the objective, it’s important to work with a professional from the onset. Give us a call or schedule a meeting to learn how cash value life insurance can help you reach your financial goals.
It’s risk-free.
Overview of Life Insurance
Life insurance is an important part of financial planning. It is a unique asset that can help eliminate some of life’s most perplexing financial problems.
Benefits
- Family protection
- Debt elimination
- Create an estate
- Estate tax liquidity
Other Uses
- College fund for children
- Wealth accumulation
- Supplement retirement
- Charitable gift
Survivor Needs
- Income needs
- Household living expenses
- Education expenses
- Lump sum needs
Term Life Insurance
Term life insurance provides pure insurance coverage for a limited amount of time. The term of a policy is typically set for 10, 15, 20 or 30 years. Policy provisions and riders such as renewable, convertible, and accelerated death benefits can be added to a basic term life policy.
Cash Value Life Insurance
Cash value life insurance includes whole life, variable, universal, and indexed universal policies and are typically designed to provide long-term financial benefits. Unlike term life insurance, cash value life insurance has the ability to build cash value.