Secure your future with Noshal Legacy Life Insurance Agency
Insurance Planning
Offer peace of mind with Life Insurance policies that ensure financial security for loved ones in case of unexpected events.
Final Expense Life Insurance
Help clients prepare for the unexpected with policies that cover final expenses, easing the financial burden on their families
Types Of Life Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Provides coverage for a specific period, typically 10, 20, 0r 30 years.
Benefits: Affordable premiums.
Simplified coverage for a set time.
Ideal for Those seeking temporary coverage, such as during mortgage repayment or while raising children.
Whole Life Insurance
Universal Life Insurance
Whole Life Insurance
Permanent life insurance that provides coverage for the insured's entire life, with a savings component.
Benefits: Lifelong coverage.
Accumulates cash value over time.
Ideal for: Individuals seeking long-term financial planning and security.
Universal Life Insurance
Universal Life Insurance
Universal Life Insurance
Flexible permanent life insurance that combines death benefits protection with a savings component.
Benefits: Adjustable premiums and death benefits.
Potential for cash value growth.
Ideal for: Those looking for flexibility in premiums and coverage.
Variable Life Insurance
Guaranteed Issue Life Insurance
Universal Life Insurance
Permanent life insurance with investment options for the policy's cash value.
Benefits: Potential for higher cash value growth.
Policyholders can choose investment options.
Ideal for: Clients comfortable with investment risk and seeking growth potential.
Final Expense Life Insurance
Guaranteed Issue Life Insurance
Guaranteed Issue Life Insurance
A smaller policy designed to cover end-of-life expenses such as funeral costs.
Benefits: Simplified underwriting process.
Coverage specifically for final expenses.
Ideal for: Seniors and those looking to cover funeral and burial expenses.
Guaranteed Issue Life Insurance
Guaranteed Issue Life Insurance
Guaranteed Issue Life Insurance
Life insurance that does not require a medical exam or health questions.
Benefits: Easy approval process.
Coverage for individuals with health issues.
Ideal for: Clients who may not qualify for traditional life insurance due to health concerns.
Type of insurance
Indexed Universal Life Insurance
Universal life insurance with cash value tied to a stock market index.
Growth potential linked to market performance.
Flexible premiums and death benefits.
Ideal for: Clients looking for cash value growth linked to market performance without direct investment risk.
Life Insurance coverage in minutes
Get peace of mind fast with Ethos
Get up to 2M in life insurance the easy way with Ethos. Skip the medical exam and weeks waiting. With just a few health and lifestyle questions. Ethos approves up to 95% of applications in about 10 minutes, with coverage from trusted carriers. Tailor your policy to fit your budget and get help from licensed agents whenever you need it. Et
Get up to 2M in life insurance the easy way with Ethos. Skip the medical exam and weeks waiting. With just a few health and lifestyle questions. Ethos approves up to 95% of applications in about 10 minutes, with coverage from trusted carriers. Tailor your policy to fit your budget and get help from licensed agents whenever you need it. Ethos provides instant coverage for more families than any other provider, and a top-rated experience customers love. In the time it takes to drink your morning coffee, you can get peace of mind for your family today with Ethos.
Getting Both Term and Whole Life Insurance.
Important
By combining both term and Whole life insurance, you can acheive a balanced financial safety net that adapts to your life's changing needs. Term life insurance offers affordable, high-coverage protection during critical periods, such as when you have significant financial obligations like mortgage or raising children. On the other hand, Whole life insurance provides lifelong coverage, ensuring your loved ones are always protected, and it also builds cash value that can be used in the future.
Drawbacks
Borrowing from your whole life insurance policy can be a helpful financial tool, but it's essential to understand both the benefits and the potential drawbacks. There is three things to know when borrowing from your whole life Insurance.
Interest Charges: Loans from your whole life insurance policy accrue interest, which is charged against the policy's cash value. If not repaid, the interest can reduce the death benefit and cash value of the policy.
Reduced Death Benefit: If the loan and any accrued interest are not repaid, the outstanding amount will be deducted from the death benefit, reducing the payout your beneficiaries will receive.
Potential Policy Lapse: If the loan balance and accred interest exceed the policy's cash value, the policy could lapse, resulting in the loss of coverage and potential tax consequences on the loan amount.
Customized Solutions
We understand that every client has unique insurance needs. That's why we offer customized insurance solutions tailored to your specific situation. We work with you to understand your needs and provide the best coverage options.
Why Choose Noshal Legacy Life Insurance Agency?
Expertise
As a locally-owned agency, we are deeply Invested In our community and strive to make a positive Impact through our services and outreach efforts.
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