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Choosing life insurance and annuities for retirement investments can be a complicated task, but because of the many choices, they should be thoroughly researched. Life insurance is designed to protect your family and other people who may depend on you for financial support. One of the most popular questions for most when dealing with life insurance is about the life insurance amount needed. Next, of course, is what type of life insurance one should buy. The answers here are not difficult, but are personalized to every individual and family..
For Life Insurance, we represent some of the best insurance companies across the nation. Contact us today to arrange for a free evaluation of your insurance needs and to see whether you have adequate coverage to protect your health, life, home, family and assets. You might be paying too much month after month for coverage you don't need. Call 1-800-301-8818 today to schedule a free consultation.
At AIM there are three simple goals
In Life Insurance we provide both whole Life and Universal Life policies with the kind of riders that our clients require such as Disability Income Riders, Waiver Of Premium RIders, Children's Riders, Accidental Death Riders and even Money Back Guarantees. Life and Mortgage Insurance plans can be obtained with or without a physical examination depending upon the underwriting of the specific carrier and the coverage that you select. Some of our carriers can even offer you a Disability Income Rider with proof of income or physical examination. Our goal is to provide our clients the lowest premiums available.
Mortgage Protection Insurance
Your house is one of the biggest investments you're ever likely to make. That’s why Mortgage Protection Insurance can be an important financial planning tool that insures your family will never be in jeopardy of losing its home. This insurance pays off your entire mortgage for your family if you were to pass away unexpectedly. Plans include Living Benefits which gives you early access to your death benefits if you are stricken with a chronic, critical, or terminal illness. (example: heart attack, cancer, stroke, become disabled) The company pays you a portion of your policy (in a lump sum) to help pay your bills, healthcare expenses, and/or mortgage payment each month.
Here at AIM INC., we want to help you protect that investment and your family’s financial future. You might already have some type of insurance, savings or pension, but if you suffer a serious illness or passed away will it be enough to meet the mortgage payment, your largest expense? We have many different plans that can be adjusted to give you the protection and peace of mind that you need.
Final Expense Insurance
Final Expense/Burial Insurance is designed to pay funeral and burial expenses at the time of a loved one's passing. Many Americans believe that Social Security will pay for their final expense needs, however the government only pays for those who qualify, a lump sum of $255.
With the high cost of funerals, the last thing anyone wants to think about after losing a loved one is paying for and planning final arrangements. Final expense insurance can help ease that burden by paying for many of the costs associated with funerals.
COSTS ASSOCIATED WITH FINAL EXPENSES INCLUDE:
Headstone and Engraving
Legal Fees, probate costs
According to the National Funeral Directors Association, a traditional adult funeral, including a casket and vault, carries a median cost of $8,343, and the additional expense of flowers, limousines, and obituary notices can add thousands of dollars to the total cost. Many funerals can run well over $10,000.
Financial responsibilities don’t disappear when you pass but are left as a burden for your family and loved ones to deal with.
Final expense insurance plans can also pay for non-funeral related expenses such as medical bills, a mortgage, credit card debt and loans or go directly to the beneficiaries as a legacy gift, tax free. The best part is there are choices that can be tailored to your individual needs and budget.
o Guaranteed issue even with pre-existing medical conditions
o No Medical Exams (based on answers to health questions on the application)
o Plans cannot be cancelled because of your age or health
o Your Premiums are generally guaranteed for life
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