The life insurance in USA has the lowest price in the world and can be offered to foreign nationals as well.

The topic of Life Insurance is a sensitive one and people are often resistant to discussing it. After all, none of us wants to think about death and how it would impact our loved ones. Unfortunately only 56% of Americans have life insurance. Most people are not aware of this type of protection and believe “this will never happen to me”.

That’s the whole reason behind insurance; to plan for the unexpected. If you care about your family, spouse or business you have to explore this option. There are a variety of life insurance products that can help your family continue their life without financial stress in the event something unexpected should happen.

For instance, did you know that there is life insurance that can return all premiums paid? There are also affordable life insurance plans that can meet your budget needs. With so many options, and such a critical decision, it is important that you work with a knowledgeable, objective professional who can help guide you in making the choice that is right for you.

Talk to our experienced insurance specialist who are especially trained to discuss this sensitive topic and will give you their objective guidance in making the right choice. In the event of death, life insurance helps family’s or a corporation’s financial continuity.

If a spouse passes away, the life insurance policy will indemnify with a lump sum amount set in the insurance policy. The rule of thumb in choosing an amount of coverage is to purchase an amount that is equal to 10 times the annual salary of the insured. Therefore if the insured earns $50,000, the coverage amount should be $500,000.

Term insurance is life Insurance that guarantees a set premium for a period of time. The period of time can be 10, 20 or 30 years. After that time period, if the insured is still living, the life insurance policy expires. Many young families choose 20 or 30 year term life insurance. The thought is that by the time the insurance expires (10, 20 and 30 years), the couple’s children will be in the workforce and be able to be self-sufficient.

Term life insurance can also be used for corporations. For instance, in case of the death of a partner, the life insurance can compensate the corporation. This is called buy and sell agreement. A lawyer can be consulted when considering life insurance for this purpose. A Term life insurance can be also used to insure a high valued employee in case of his death by accident or illness.

Universal life insurance is a permanent insurance. The insurance will expire when the policy holder reaches the age of 121. This type of policy accumulates a cash value. As a result, it is estimated that within 20-25 years the insured may recover the premiums paid through the cash value. These figures vary among carriers, so make sure to choose the right carrier for the universal/whole life insurance.

Plenty of people have thought about getting life insurance. only to decide that it’s not an important step to take. At Insurance Consultants International, we strongly encourage that life insurance purchase can be a huge help to a family in need. You’d do everything to protect and care for your family, but if something happens and you’re no longer in a position to help, what happens next? A forward-thinking life insurance policy offers protection against that scenario and many others to ensure your family is always safe and cared for, no matter what life sends their way.

Caring about your family means more than just putting a roof over their head and food on their plate now, it means making sure you take precautions against life’s habit of sending the unexpected our way. Are you ready to make a change in your future planning? Calling Insurance Consultants International today can offer more information about which life insurance plan is right for you.

One of the most popular services at Insurance Consultants International is premium life insurance financing. You may have heard about it before, but what does it actually mean? Premium life insurance financing is a way for qualified individuals to finance a more expensive life insurance policy using a third-party lender, such as a bank. A commonly found strategy among individuals with higher income levels. That’s why it’s important to work with the professional insurance agents at Insurance Consultants International. Our experienced insurance agents are here to facilitate a seamless process.

Premium life insurance financing in Hollywood, FL offers peace of mind to those looking for comprehensive life insurance coverage. Rather than paying outrageous premiums every period, individuals secure a loan from the bank to cover the costs. This alternative funding method allows high income individuals access to the most competitive rates and more. Our trusted agents conduct a thorough evaluation of your situation to devise and implement the right insurance plan for your needs. We analyze your insurance needs in order to better understand which coverage options are available to you. When your financial institution pays the premium amount, it keeps money in your pocket while the cash value of the policy covers the loan interest. This allows our clients to maximize their insurance coverage without paying high premiums. Our savvy approach to life insurance as an investment give our clients the financial flexibility and freedom they desire.

The best way to learn more about premium life insurance financing is to call today and speak with the team at Insurance Consultants International. There are many variables which come into play when securing life insurance financing so it helps to work with a team of certified professionals. Insurance Consultants International has years of experience assisting individuals and their families with comprehensive protection against everything life has in store. Contact our insurance agents today and let’s gets started on your policy! Simply call our office at +1 786 923 0276 today or visit the Contact Us section of the website to fill out the easy to follow consultation request page. You will not regret working with a team filled with dedicated and knowledgeable multlingual professionals.