The minute you realize that someone depends on you, everything changes. Life Insurance gives you the peace of mind to know you’ll always be there for your loved ones.
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What Does Life Insurance Cover?
In its basic form, a life insurance policy provides death benefits and is designed to cover living benefits, loss of income, end-of-life expenses, funeral costs and other financial needs that a family may have if you – the policyholder – should die unexpectedly.
Indexed Universal Life Insurance
Unlock earning potential that you can pass down.With Indexed Universal Life, your policy can be linked to a specific stock index, such as the S&P 500®, allowing you to earn credited interest based on its performance. Plus, you can enjoy peace of mind knowing that your policy will never incur a negative interest rate.
Universal Life Insurance
Experience greater flexibility while enjoying the same lifelong coverage.Similar to Whole Life Insurance, Universal Life is classified as a permanent life insurance policy. But what sets it apart? Universal Life offers you the freedom to adjust both your premium payments and death benefit amounts as your life circumstances change.
Whole Life Insurance
A lifetime of security and peace of mind. With our Whole Life options, you can ensure that your loved ones receive guaranteed benefits, regardless of when the time comes.
This month we will be in discussion on the following
Advance Living Benefits
Chronic
Accelerated Benefit Riders
A chronic illness rider allows policyholders to tap into their life insurance policy’s death benefit if they are diagnosed with a qualifying chronic illness. Chronic illness is typically defined as the inability to perform a certain number of daily living activities. This rider provides a safety net that can make the situation more manageable, and in some cases, it may be included on a life insurance policy at no extra costs unable to perform two out of six activities of daily living (bathing, continence, dressing, eating, toileting, or transferring) or has a severe cognitive impairment
Critical
Accelerated Benefit Riders
A critical illness rider allows policyholders to access their life insurance policy’s death benefit if they are diagnosed with a qualifying critical illness. Critical illnesses are typically specified illnesses and health conditions, such as heart attacks and strokes. This rider provides an additional layer of financial protection in the event of a critical illness
Terminal
Accelerated Benefit Riders
A terminal illness rider allows policyholders to access their life insurance policy’s death benefit if they are diagnosed with a terminal illness. The benefit can be paid out either as a lump sum or in installments based on the severity of the condition. This rider provides financial support during a difficult time and can help alleviate the financial burden associated with a terminal illness
Protect What Matters Most.
Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared to provide the assurance your family needs to keep their futures safe and sound. At Kellner Insurance Agency, we’ll work with you to keep your family protected in the event of your untimely death.
A proper Life Insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At Kellner Insurance Agency, we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.