Life Insurance

Life insurance planning is a serious business. There are a lot of advantageous steps that experienced professionals can take with reputable products when it comes to using cash value for college education, retirement planning and liquidating assets, to name a few. But the essential questions for most reputable financial services professionals are these:

Do you have the maximum amount of life insurance to secure the futures of those who depend on you?

If you could get the maximum amount of life insurance, with no additional out-of-pocket expense, would you want more for your family or business?

It's important to me--as an advocate for financial responsibility--that you answer "yes" to these questions. I will work with you to determine how much life insurance is appropriate for your particular situation. Together, we will ensure that the best products and planning concepts are put in place to provide you, and your loved ones, with the satisfaction of knowing that you, indeed, can answer "yes!" to these questions during your lifetime.

Let's take a few minutes to talk about the amount of life insurance coverage that will keep you and your family feeling secure.

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Like most insurance policies, MetLife insurance policies contain, exclusions, limitations, reductions of benefits and terms for keeping them in force.  I'll be glad to provide you with costs and complete details.
 
* Under current federal tax rules, you generally may take income tax-free partial surrenders under a life insurance policy which is not a modified endowment contract up to your basis in the contract. Partial surrenders may be subject to surrender charges and could have a permanent effect on the cash value and death benefit. Loans taken will be free of current income tax as long as the policy remains in effect until the insured’s death, does not lapse or mature, and is not a modified endowment contract. This assumes the loan will eventually be satisfied from income tax-free death proceeds. Loans and withdrawals reduce the policy’s cash value and death benefit and increase the chance that the policy may lapse. If the policy lapses, matures, is surrendered or becomes a modified endowment, then the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distributions of policy cash values. Interest is charged on policy loans.