Life Insurance
The importance of protecting your family and assets cannot be understated. Peak Insurance Solutions offers many Life Insurance options and the expertise to help you know what is right for your situation. Protecting your family and assets should not wait. Let one of our consultants evaluate your needs and provide you with the protection you desire.
Whole Life Insurance is permanent insurance or insurance
that lasts your lifetime. Premiums are level. As time passes
and more premiums are paid, your policy accumulates
a cash value that grows on a tax deferred basis. Policy
owners can borrow against a Whole Life policy for any
purpose. Loans do require you to pay interest and any
borrowed amounts not paid back are deducted from the
payout to your beneficiaries at the time of your death.
When the unexpected occurs, you don’t want to leave
your family with expenses for which they are unprepared
to incur. Final Expense insurance is simplified issue Whole
Life insurance designed to give you and your family peace
of mind and the funds to pay for your final expenses.
Prepare today with a Final Expense Whole Life Policy! The
companies we represent offer great rates, service and
personal attention when a loved one passes away.
Whole Life / Final Expense
Indexed Universal Life
Indexed Universal Life is whole life insurance coverage that provides a death benefit should the worst occur. Premiums can earn interest and these policies can grow cash value.
Unlike other whole life products, Indexed Universal Life policies credit interest based on a declared rate and/or a selected stock market index. Your premium payments do not participate directly in the market and your interest credits are never less than zero!
Group Life Insurance is a vital part of any employer's benefits package. Participants in a Group Life plan enjoy many benefits they might not be able to achieve on their own. Meanwhile, employers are able to provide vital Life Insurance coverage for their employees' peace of mind.
Peak Insurance Solutions offers a full portfolio of Group Life Insurance options from leading carriers in this space. Our consultants are eager to meet with you to enhance your employee benefits program through life insurance.
Group Life Insurance
Term Life
Term Life Insurance is Life Insurance defined by a specific time period or “term”. During that term, your premiums (payments) and death benefit are typically level. If you die during the term of the agreement, your beneficiaries will receive the face amount of your policy. If you outlive the term, then the policy will end or the premium will rise significantly.
Term Life is usually suitable for younger buyers that have
a long life expectancy. In these situations, a person can
get a large amount of coverage for a low premium. As
you age, premiums go up and available terms go down.
Peak Insurance Solutions has access to many top rated Life Insurance companies and our consultants can shop for the best rate available.