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Term Life Insurance

(Form TR-ART, ART3, GART3C)  

Timely Death Benefit

American National's term life insurance products offer a competitive array of level death benefit coverages, with various premium payment alternatives. These plans can provide the solutions to many of the financial problems that would be caused by premature death. They provide large amounts of coverage for various specific periods of time. As term insurance, they are designed to meet protection needs that are temporary. As life insurance, they provide the special benefits described in the following paragraphs:

- Tax-free benefit. No other product will provide such a large, instant cash windfall, income-tax free, at the very time it is needed most. (IRC Sec. 101 Life insurance proceeds are generally held to be tax-free).

- Benefit is paid immediately. Your beneficiary will receive the policy proceeds without the inconveniences of the probate process.

- Financial privacy. Life insurance is not a matter of public record. Your beneficiary will receive the death benefit discretely upon your death.

- Premium payments. After an initial specified period, the life insurance benefits provided by these plans may be kept in force by the payment of increasing premiums through age 95 for some products. No additional evidence of insurability will be required after your policy is issued.

- Convertibility. An attractive alternative to the increasing cost of term coverage is the ability to convert that coverage to permanent life insurance. These term products contain a conversion option which you may exercise during the policy's early years, depending on your age and the term policy you choose. One life insurance advice tip we can provide is that you check your policy for conversion details. This conversion privilege allows you to convert to a permanent policy without furnishing additional evidence of insurability. American National offers a wide array of competitive permanent insurance plans with level premiums and tax-favored cash accumulation potential.

- Preferred ratings available. If you're applying for at least $100,000 of coverage, you may qualify for one of the company's "preferred" underwriting ratings, thereby reducing your premium.

 

Financial Objectives

Most people want to accomplish one or more of these financial objectives:

  • Providing for the ongoing living expenses of family members in the event of a breadwinner's death
  • Making sure a child's dream of a college education will come true
  • Making sure your home is paid for and that you and your family get to live there for as long as you want
  • Money at retirement to do the things you've always wanted to do
 

Goals

We believe an ideal financial strategy should:

  • Be self completing
  • Allow you to make flexible payments over the years
  • Grow steadily and dependably at a competitive rate of interest, comparable to or better than certificates of deposit
  • Grow tax-deferred
  • Minimize the amount of taxes you pay and maximize the dollars that stay in your pocket and the pockets of your family members
 

Do you need life insurance advice? The Mark Cole Agency can help.

Do you have questions about life insurance? Do you have enough coverage to protect your loved ones in the event that something happens to you? Contact the Mark Cole Agency today for a free professional insurance review and we can provide you with personal life insurance advice.

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Life Insurance Advice from the Mark Cole Agency

At the Mark Cole Agency, the best life insurance advice we can give is to let me sit down with you one-on-one and plan out a strategy that works for you and your family. Everyone's situation is different and there is no "cookie cutter" solution that can help you with your financial future or life insurance needs. Each of our programs are tailored to the individual and a full review is needed to determine the best coverage for your situation.

Personalized Life Insurance Advice

At the Mark Cole Agency, we strive to provide the personal service that will not only give you with information you need to make a more educated decision, but to be there for you whenever you have any needs or questions. Contact me today for more life insurance advice.

 
     
     
 

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