Life & Mortgage Insurance
There are many reasons why people choose to buy life insurance protection. It is extremely important to have sufficient coverage based on your own individual needs and desires. These needs could be short term or long term and should be evaluated every few years, to further ensure all of your individual and/or business needs are up to date when things change. At Link Insurance we evaluate and compare the insurance market to determine the most competitive and affordable insurance products for our clients.
Term Insurance
These products will address your individual short-term goals while offering you the flexibility to expand your coverage as your needs change (ie. Mortgage). Term Insurance is less expensive when you first purchase the plan, and becomes much more costly as the years go by.
Whole Life Insurance
Provides guaranteed level premiums and guaranteed insurance coverage for life. There is a guaranteed cash value as well as paid up features. The level premium is higher than initial term insurance premiums, but this higher premium contributes towards a significant tax-deferred savings component.
Universal Life Insurance
A permanent insurance plan with a possible investment component at the end. Universal Life Insurance coverage meets your life insurance needs, while providing you with the potential for tax-free growth. There is a separate identifiable savings component. However the funds are not guaranteed and are based on several investment options and varying rates of return.
