Many families are forced to leave the family home due to economic hardship caused by death, disability or unemployment. Are you prepared for the unexpected? At, The Leazer Group, we understand that your home is probably the largest single investment you will make during your lifetime. Naturally, you would want your family to be able to enjoy their home even in the expected event of a death. While there are many options for protecting your mortgage, The Leazer Group can assist you with finding the right choice that will help fit your needs and budget. With Level Term life insurance, you can choose coverage the length of your mortgage as well as you can keep the same level of coverage even after your mortgage is paid.
Every day, families are faced with the difficult task of saying goodbye to loved ones. As hard as it is to deal with the loss, unexpected costs can create a financial burden on family members, making this time even harder. Give your family the gift of a plan and the comfort of knowing they will not have to dip into savings to pay for your final expenses by planning ahead. By purchasing a life insurance policy, you can rest easy knowing that your family will have the extra support of a death benefit to help cover those unexpected costs. With a simple application process, affordable premiums, and various premium payment methods, it is easy to protect your loved ones and show themhow much you care.
Your family depends on you for emotional and financial support. So, if anything should unexpectedly happen to you, life insurance can help you keep your family safe and secure in the years ahead. Home ownership, childcare costs, financial help for aging parents – today’s workforce may be juggling multiple financial responsibilities.
Our term life insurance, which can be matched to a period of time when you need it
most, ensures that your family’s needs will be met.
Permanent life insurance (sometimes referred to as whole life insurance) provides
protection for your entire lifetime in most cases. No matter when you die, as long as
your premiums are paid, your beneficiaries will receive the proceeds, generally income tax free.
Permanent life insurance works best when the insurance need is long-term. With a guaranteed death benefit that will not decrease and a premium guaranteed not to increase, permanent life insurance can be less costly than term insurance. Permanent life insurance is flexible and gives you a series of options that can be changed as your life changes. You could even choose to stop paying premiums and change your policy to paid-up. Permanent life insurance allows you to make choices that fit best with your life.
Fixed annuities are a popular choice for individuals who want a guaranteed interest rate and a stream of income they can’t outlive. With a fixed annuity, the principal investment and a specified interest rate are both guaranteed. If you are more of a conservative investor, a fixed annuity may appeal to you. Fixed annuities offer steady and guaranteed growth. In addition fixed annuities also offer tax-deferral to help your money grow faster and a lifetime income option to keep your retirement secure.
Life is full of the unexpected. Are you looking for insurance that offers the flexibility you need to combat those twists and turns and guarantee protection for you and your family? Indexed Universal Life insurance is a sound choice. Along with providing a death benefit if you die, an Indexed Universal Life policy can also provides tax-deferred growth of your account value, growth linked to a formula based on changes in an equity-index, flexible premium options, a variety of riders and waivers, and two death benefit options. If set up and managed properly, an indexed universal life insurance policy (an IUL) can provide a retirement income free of income taxes using tax-free withdrawals and zero-cost, or low-cost, policy loans.