Life Insurance

 Term Life Insurance:

 
Are you paying too much for your life insurance?
 
While rates for insurance plans such as homeowner’s, auto and health have increased steadily over the last ten years, term life insurance rates have declined substantially. AND, in addition to rate decreases, long term rate guarantee periods – up to a full 30 years – are also now available.
 
 
As a valued client of our agency, we want to help you determine if you have the right price for your term life plan. If you have not had your term life insurance reviewed recently, you may be paying more than you have to. Here’s an example of just how inexpensive a $500,000, 20-year term insurance plan can be today:
 
Age                   Monthly Male Rates                           Monthly Female Rates
     30                          $ 32.34                                            $ 26.46            
     35                          $ 36.12                                            $ 28.98
     40                          $ 49.14                                            $ 37.80
 
Rates illustrated are for Elite Term 20, underwritten by Harleysville Life Insurance. Rates guaranteed for the first 20 years. Rates illustrated are for ‘preferred, non-tobacco’ applicants –even lower rates are available for applicants with excellent health status and no tobacco use in the past 36 months.
 
We’re here to help you!
 
One quick phone call is all that may stand between you and substantial savings on your term life insurance. To request a no-obligation quote, contact us right away at 570-836-6245, or e-mail us at ajnoble@fscadvisor.com. We’re standing by to help you save money!
 
Don’t delay contacting us! Time really is money: the sooner you call, the sooner you can learn more about saving money on your life insurance!
 
Universal Life Insurance:
 
Are you interested in…
  • Consolidating your current life insurance coverage?
  • Streamline existing coverage into a single policy?
  • Convert existing, underperforming plans with a modern, high-performance plan?
 We can help you right now with a brand new plan: the tax-deferred, single premium Pro Performer. Putting the Power of the Pro to work for you means:
  • Streamlined, comprehensive coverage in one plan.
  • The convenience of a single payment – once and done for guaranteed coverage to age 100 and beyond!
  • A tax-free repositioning cash values from older plans for more cost-effective coverage per premium dollar.
Because this is such an important plan for you to consider for your life insurance coverage,   I’ll be contacting you in the next few days to discuss this opportunity. If you’d like to set up an appointment for an initial review today, please contact me at 570-836-6245.  
 
Whole Life Insurance:
 
It’s something that we are all going to face. 
 
Losing a loved one is a traumatic experience. But it’s even harder if there’s a struggle to meet “final expenses” – funeral costs, estate settlement expenses and medical bills. That’s why it’s important to have a life insurance policy you can count on, one that features these benefits:
 
ü      Guaranteed level premiums for as long as you have the policy.
ü      Cash value, based on the face amount and your age at issue.
ü      Full coverage from the first day your policy is in effect, from face amounts of only $5,000
 
The average funeral today is almost $7,000, yet the Social Security death benefit is only $255. Where will the money come from to make up this difference? If you do some planning today, the funds you need will be there tomorrow!
 
This is one purchase that really can buy peace of mind. I look forward to talking with you soon.