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Life Insurance

HAVING THE RIGHT LIFE INSURANCE IS PIVOTAL IN PLANNING FOR THE FUTURE OF YOU AND YOUR LOVED ONES.

 

LIFE INSURANCE CAN HELP YOU FULFILL PROMISES YOU’VE MADE YOUR FAMILY WHEN YOU ARE GONE.

Don’t leave the future of you and your loved ones to chance. The Insurance Ninjas at Cordell Insurance Agency can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs. For each of our neighbors in Nashville, Middle Tennessee and Kentucky, the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs.

LIFE CHANGES THAT MERIT A POLICY "TUNE-UP"

TYPES OF LIFE INSURANCE POLICIES

ADVANTAGES OF LIFE INSURANCE

You recently married or divorced

 

You have a new child or grandchild

 

You have opened or expanded a business

 

Your health or your spouse’s health has deteriorated

 

You are providing care or financial assistance to a parent

 

Your child or grandchild requires assistance or long-term care

 

You recently purchased a new home

 

You are planning for a child or grandchild’s education

You are concerned about retirement income

 

You have refinanced your home mortgage in the past six months

 

You or your spouse recently received an inheritance

 

You have a sizable estate

Term LIfe Insurance

 

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

 

Whole Life Insurance

 

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

Universal Life Insurance

Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

Having the right life insurance is essential to planning for your present, and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Advantages of the life insurance death benefit:

When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need. Your policy can help provide security for your business security as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits:

The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

PROTECTION FOR YOU AND THE ONES YOU LOVE

The right life insurance coverage for each and every one of our neighbors in Nashville and Middle Tennessee is unique – contact us at Cordell Insurance Agency today to find out how to protect your family and your future with the right life insurance

 

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*We provide coverage on an individual basis. Client has the right to waive coverage he/she does not want without placing liability on the agent or agency.

 

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OFFICE: (615) 847-3669       FAX: (615) 847-3984

4331 Old Hickory Blvd, Ste D. Old Hickory, TN 37138

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